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Business Insurance for Restaurants
A Package that accommodates all your Business insurance needs

Let PENTECO Help You Protect Your Restaurant!

Coverage prepared for your business

You are proud of your restaurant – and you should be. You and your staff have put in a lot of hard work and dedication (not to mention skill and creativity) to achieving success in your competitive field. There is never enough time in a day to get it all done. There is certainly not a lot of time to worry about choosing your insurance coverage.

At PENTECO, we know your restaurant is not just a business but a calling, and we are focused on providing you the coverages you need to help protect it.

We understand, for example, that liquor sales can be an important part of your service. Because of that, we may be able to provide protection for your business so long as your liquor sales do not exceed 25% of your total revenue. We also know that, in spite of your best efforts, things sometimes don’t go as planned.

If a Public Health Authority required your restaurant to close while they investigated possible food contamination, would your business income insurance cover that?

The Hartford’s customized insurance for restaurants has been carefully researched and selected to provide the protection businesses like yours need – coverages that may not be available in other policies.

Planned for your needs

The Hartford’s small business insurance policy, called Spectrum, has first-rate core business coverage. We have also bundled important protection into optional packages, such as our Restaurant Stretch, designed specifically for businesses like yours. It provides numerous coverages for a fraction of the price you would pay to buy them individually. Here are a few examples of the protection this Stretch offers:

• Food Contamination Business Income
Provides Business Income coverage for actual loss sustained or actual costs incurred if a Public Health Authority requires your operation to be suspended due to possible food contamination found at your location.

• Temperature Change
Covers your loss of perishable stock if it is spoiled as a result of direct damage caused by mechanical breakdown of your refrigerating or cooling equipment or interruption of electrical power.

• Backup of Sewers & Drains
Pays for loss or damage to covered property caused by water that backs up from a sewer or drain.*
*Not flood insurance. See your agent for details.

Some other coverages included in the Restaurant Program:

• Employee Dishonesty
Covers your business for loss of money or your property resulting from dishonest acts committed by your employees.

• Forgery
Adds Forgery and Alteration by someone other than an employee, trustee or director as a covered cause of loss and defines Covered Property to include: checks, drafts, or similar written promises.

• Accounts Receivable
Protects you from the inability to collect outstanding balances as a result of lost or damaged records from a covered cause of loss.

• Off-Premises Utilities Services – Direct Damage
This endorsement extends coverage to include loss of, or damage to, your covered property caused by certain interruptions of service. The interruption must result from direct physical loss or damage by a covered cause of loss to property located off-premises that provides you with water, communication or power supply services.

• Computers & Media (including Point of Sale equipment)
Provides coverage for your computers, including point of sale computer systems, peripheral devices, and media. Coverage is also provided for the costs to research, replace or repair lost or damaged data and software as a result of covered damage to computer equipment, certain power failures, or a computer virus.

In addition, you have the option to buy these important coverages:

• Liquor Liability
Provides coverage for injury, including bodily injury and property damage, if liability is imposed by reason of selling, serving or furnishing any alcoholic beverage.

• Revised Liquor Liability Exclusion – Restaurants
(Bring Your Own Bottle Endorsement)

Extends Business Liability coverage to liability arising out of allowing customers to bring and consume their own liquor to a restaurant that does not serve alcohol.

Core Coverage

When your business is protected by Spectrum, you’ll be covered for a wide range of liability and property risks specific to businesses like yours. Here are some examples of the basic coverages:

• Business Income (Actual Loss of Earnings)
• Equipment Breakdown
• Money and Securities
• Peak Season
• Identity Recovery Coverage for Business Owners

Business Liability
Your Spectrum policy from the Hartford provides your business with legal liability protection against claims of injury or damage caused to others by you or your employees. For example:

• Premises & Operations Liability
• Products & Completed Operations

Other Important Coverages:
Commercial Auto
Workers’ Compensation

That’s Not All
To all of this, we’ve added the convenience of flexible premium payment plans, an electronic funds transfer plan, and 24-hour, toll-free claims reporting.



Our Preferred Business Insurance Partners


Get A Fast FREE Insurance Quote Today!

Please complete the form below and one of our representatives will contact you with a free, no-obligation quote. This information will be kept confidential and will be used for quote purposes only. 
* Required fields.

General Information
Your Full Name: *
Your Company:
State:     Zip:
Business Phone: *  
E-mail Address: *

Current Insurance Information
Company Name:
(not agency)
Policy Expiration Date:   Premium Amount: $
Years Insured:
About Your Business
Business Owner:
Number of Employees: Years in Business:
Number of Locations:
Annual Sales: $
Detailed Description of your Business:
Payroll Information (if known)
Employee Duties Annual Payroll $ Hourly Wage $
Property Questions
Do you own
your Building?
Building Replacement Value: $
  Replacement Value of Contents: $
Do you have a
Company Vehicles?
If Yes, How many?
Property Information
Address: (if different)
State:    Zip:
Protection Devices Installed: Smoke Detectors
Fire Extinguisher
Central Burglar / Fire Alarm
Year Building Built:
Building Square footage:
Number of Stories:
Occupancy: Owner Tenant
Square Feet Occupied as Owner or Tenant:
Replacement Value of Building: $
Business Interruption: $
Replacement Value of Business Personal Property: $
Any claims in last 3 years?   If Yes, please describe.
Additional Comments or Questions
Please click the "Submit Quote Request" button to send your quote request. No coverage is in effect until bound by an insurance carrier. This is a request for quotation only.

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