Insuring
restaurants, retail food and beverage establishments is a very big part
of our business. As you are already aware, the restaurant business can
be very unpredictable. Our experience has proven that a good restaurant
needs to make sure to have excellent coverage and we aim to provide
the very best insurance package to effectively anticipate a range of
possibilities.
Whether
you have a white table cloth restaurant, a hometown deli, a pizzeria,
a chicken or chinese take-out or a sandwich shop, Kape Insurance can
provide insurance for almost any loss or damage that happens to your
business.
Kape
Insurance can specifically provide some of the following types of insurance
for restaurants:
Spoilage
of food and beverages caused by a mechanical failure of your refrigeration
equipment,
Money
and Securities, including not only cash taken in, but lost or stolen
credit card receipts and traveler's checks on or away from the premises,
Building
Ordinance coverage provides you with additional protection to allow
you to rebuild your establishment, even if building compliance codes
require a greater cost than you originally purchased the building
for in the event of a covered loss,
Employee
Theft, such as theft of cash, credit card fraud, and even theft of
silver or linens,
Business
Income will reimburse you for lost profits and continuing expenses.
If fire or property damage occurs, you will be covered for a period
of time selected by you at the beginning of your coverage,
Income
lost from the forced closure of your restaurant due to alleged food
poisoning, which often results in bad press,
Damage
or theft of customers' property in your care, such as coats, briefcases
and hats,
Recharging
fire extinguishing systems if they are discharged
Signs,
glass, awnings and antennas,
Reimbursement
for loss or damage for Fine Arts (paintings, sculptures), Accounts
Receivable, Valuable Papers, Outdoor property (tables and chairs,
plants, parking areas, and walkways)
Because
each restaurant has different requirements, we also offer extended coverage
for the following:
Machinery
and Equipment Breakdown
Higher
limits for all coverage extensions
Commercial
Automobile Coverage
Automobiles
owned for business must be well insured and we can provide that for
you. Several deductible options are also available to customize an insurance
program to best suit your needs.
An
Umbrella Liability Coverage plan provides your restaurant with higher
limits of liability coverage while still keeping your costs low.
We
evaluate your business according to a scale by which we judge all other
restaurants, and price your insurance accordingly. Safety hazards, safety
equipment and other procedures are all taken into account.
No
matter what specific restaurant insurance needs you have, Kape Insurance
can work with you to resolve these insurance issues and to begin that
process, please fill out a quote request.
Business Insurance
