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Let PENTECO Help You Protect Your
Restaurant!
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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.
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