When it comes to insuring your restaurant or bar, Golden Rule Insurance has you covered.

Property Coverages

  • Building

  • Tenant's Improvements & Betterments

  • Your business personal property

  • Bulkheads, pilings, piers, wharves, or docks

  • Outdoor fences

  • Retaining walls

  • Light poles

  • Trees, shrubs, or plants

  • Outdoor antennas and satellite dishes

Coverages:

  • Business income (no waiting period)

  • Extended business income

  • Extra expense (actual loss sustained)

  • Forgery or alteration

  • Exterior building glass

  • Equipment breakdown

  • Sewer back-up

  • Arson/theft/vandalism loss reduction incentive

Valuation Options

  • Replacement Cost

  • Actual Cash Value

  • Functional Replacement Cost

Endorsements Available

  • ILBA/MLBA Broadened Property

    • Outdoor signs/awnings/tents

    • Interior glass

    • Money and securities

    • Employee dishonesty

  • Leasehold interest for tenants

  • Garagekeepers (valet parking)

  • Seasonal occupancy

Optional Coverages Available

  • Business income from dependent properties

  • Outdoor singns/awnings/tents

  • Interior glass

  • Money and securities

  • Brands and labels

  • Extortion

  • Outdoor signs/awnings away from premises

  • Employee dishonesty

  • Spoilage

  • Food contamination

  • Fine art owned by others

  • Utility services - time element (including overhead transmission lines)

Deductibles From Which to Choose

  • $250

  • $500

  • $1000

  • $2500

  • $5000

  • $10,000

Optional Coverages

  • $250

  • $500

  • $1000

  • $2500

** For water front bars/restaurants there are standard deductibles for uncovered parking docks

Liability Coverages

  • Premises/operations

  • Products

  • Medical Payments

  • Assault and battery (unless specifically excluded)

Endorsements Available

  • Employee-related practices liability

  • Non-owned auto (with know delivery exposure)

  • Hired auto liability

  • Employee benefits liability

Liquor Liability Coverages

Commercial umbrella Coverages

  • Statutory responsiblity for all states

  • Common law responsilbity for all states

  • No annual aggregate limit of insurance

  • Employees/volunteers as insureds

  • Premises "owners" as insureds

  • Broadened definition of "your premises"

  • Excess liability limits

  • May extend over scheduled underlying policies

    • General liability

    • Liquor liability

    • Automobile liability

    • Employers liability

Workers Compensation

  • Employers liability

  • Statutory coverage