Restaurant Insurance

For restaurants of all kinds from fast food through fine dining, we offer a number of attractive alternatives for enhancing your Berkshire Hathaway GUARD Business Policy coverage.

Special Restaurants Endorsement

Our optional Restaurants Endorsement can be elected to bundle the following Additional Coverages at a single reasonable rate:

• Reward Payments - up to $5,000 to eligible parties
• Brand and Labels - for damaged property up to the Business Personal Property limit
• Ordinance or Law-Equipment Coverage - for replacement cost up to the policy limits
• Lock Replacement - up to $1,000 per occurrence (with a deductible of $100)
• Spoilage Coverage - up to $10,000 for "perishable stock" (If you require higher limits, contact us.)
• Food Contamination - up to $10,000 for damaged property or losses from "suspended operations"; up to $3,000 per occurrence for additional advertising expense
• Fine Arts - up to $25,000 per occurrence for eligible property at each premises
• Credit Card Slips - up to $10,000 during the policy period due to loss/damage
• Employee Dishonesty - extends coverage to include customer's property
• Delivery Errors and Omissions - for property losses exceeding $250 up to $10,000
• Merchandise Withdrawal - for eligible losses exceeding $250 up to $25,000

These "extras" are subject to the terms and conditions of the policy.

Berkshire Hathaway GUARD Deluxe Plus Endorsement

This endorsement can also provide a valuable extra tier of EXTENDED COVERAGE for a number of common exposures.

Outdoor Property:

• Fences and signs (other than those attached to buildings), including expense associated with debris removal
• Radio and television antennas as well as satellite dishes, including expense associated with debris removal
• Outdoor furniture, decorative structures (i.e. gazebos, foot bridges, etc.), and stone metal monuments or sculptures (at least 11 guage or thicker) permanently anchored to the ground

LIMITS $10,000 per occurrence subject to a $30,000 annual aggregate.

• Trees, shrubs, plants, and lawn, including expense for debris removal

LIMITS $25,000 per occurrence (not more than $2,000 per tree, shrub, or plant OR $5,000 for lawn) subject to an $80,000 annual aggregate.

Note: Some of the above coverages have unique policy provisions. Please consult the coverage form for details.

Business Personal Property:

• Personal Effects - Limits under the policy's terms are increased from $5,000 to $25,000.
• Checked Coats and Bags - Limits of $50,000 per occurrence (up to$5,000 per customer) are provided subject to a $100,000 annual aggregate per premises for items in the restaurant's "care, custody, and control" in a room accessible only to restaurant personnel.

Note: Unique policy provisions could apply. Consult the coverage form for details.