Restaurant Owner Insurance

Protect Your Restaurant Business with a
Chef's Specialty Insurance Policy

An insurance product served specifically to Restaurant Owners

Your Chef's Specialty Insurance Package package automatically covers...

restaurant insurance

Your Buildings
Building Coverage purchased with our CHEF'S SPECIALTY INSURANCE PACKAGE can be summarized as follows:

Special Form (All Risk) Coverage
90% Co-insurance
Replacement Cost
$1,000 Deductible
Boiler and Machinery - Option 3 (including spoilage)

Your Business Contents
Contents Coverage purchased with our CHEF'S SPECIALTY INSURANCE PACKAGE can be summarized as follows:

Special Form (All Risk) Coverage
90% Co-insurance
Replacement Cost
$1,000 Deductible
Boiler and Machinery - Option 3 (including spoilage)

Commercial General Liability

$2,000,000 Each Occurrence/Products - Completed Operations Aggregate Limit ($3,000,000, $4,000,000 and $5,000,000 limits may also be purchased)
$5,000,000 General Aggregate Limit
Premises and Operations
Products - Completed Operations
Personal and Advertising Injury
Employees As Additional Insureds
Contingent Employers Liability
Blanket Contractual
Cross Liability Clause
Incidental Medical Malpractice
Occurrence Basis Property Damage
Broad Form Completed Operations
Broad Form Property Damage
Extended Bodily Injury
Non-Owned Watercraft
Broad Form Automobile
Tenants' Legal Liability (Broad Form - $500,000 Limit)
Newly Acquired Organizations (90 days)
Medical Payments - $5,000 any one person
Non-Owned Automobile Liability including:
- Contractual Liability
- Excluding Long Term Leased Vehicles
Liquor Liability

Chef's Specialty Enhancement Endorsement
When purchased, this endorsement will add the following additional coverages/limits to your Chef's Specialty Insurance Package:

Accounts Receivable - $50,000
Automatic Fire Suppression System - Accidental Discharge - $25,000
Blanket By-Laws - Included
Blanket Glass - Included
Brands and Labels - $10,000
Business Income From Dependent Properties - $25,000
Business Income - Profits Including Reported Tips - $500,000
Co-Insurance Condition - 5% or $10,000 whichever is less
Conviction Reward - $5,000
Cost of Preparing Proof of Loss - $10,000
Debris Removal - $25,000
Electronic Data Processing - $25,000
Employee Dishonesty Blanket Coverage - Option A - $5,000
Extra Expense - $25,000
Fine Arts - $25,000
Fire Department Service Charge - $10,000
Food Contamination - $10,000
Forgery or Alteration - $5,000
Inflation Protection (Building & Business Contents) - Included
Leasehold Interest - $500/month, Max. 12 months
Master Key - $25,000
Merchandise Withdrawal Expense - $10,000
Money and Securities - $5,000
Money Orders and Counterfeit Paper Currency - $5,000
Newly Acquired or Newly Constructed Buildings - $500,000
Business Contents at a Newly Acquired Location - $500,000
Newly Acquired Business Contents - $10,000
Outdoor Trees, Shrubs and Plants - $1,000 per plant, $10,000 Occurrence
Personal Effects and Property of Others - $25,000
Pollutant Cleanup and Removal - Additional Limits - $5,000
Property Off Premises - $10,000
Signs - $15,000
Valuable Papers and Records - $25,000
Wine Valuation - $10,000
Your Business Contents - Amount of Insurance - Seasonal Increase 25%

You can also customize the package by including many other options.
Ask an Armour Insurance agent for a more complete description of any of these coverages.