California Insurance Service,. caters to the insurance needs of today's restaurant owners, offering quality coverage unique to the industry. Designed for full-service fine dining and family restaurants, our value is straightforward...we can better serve you because we specialize in and understand the restaurant industry. We offer:
Broad coverages designed for your industry and tailored to your standards.
Responsive, fair claims services that protect the best interests of policy owners.
Access to safety and loss prevention information specifically for restaurant operations.
As experts in restaurant insurance and risk management issues, we have built upon our experience to develop a portfolio of coverage to address every facey of your restaurant operation. Available coverages include:
Property Insurance - Business Income, Equipment Breakdown, Food Contamination Spoilage, Sewer Backup
Employee Benefit Liability
Restaurant Business Owner's Package(BOP) can be designed based for the challenges that you face as a business restaurant owner. Contact US for a customized Restaurant insurance quote.
Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your restaurant's doors. It covers your restaurant location and inside contents including fixtures, furniture and valuable restaurant equipment.
Choose Business Liability insurance for accidents, mistakes or injuries that may occur at your restaurant. This may include a customer's claim of a broken tooth or illness because the food served at your restaurant was tainted.
Unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a restaurant owner. Business Crime insurance covers you for losses both within and outside your restaurant.
Accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. We offer Workers' Compensation insurance for your restaurant so you are prepared when those accidents and illnesses occur.
Because restaurants vary dramatically depending on size, location and style, your businessowners policy may be customized with affordable options, such as:
Property/Contents/Loss of Income Limits to $5,000,000 and Commercial General Liability which includes occurrence Form and Limits of $1,000,000 / $2,000,000 Occurrence / General Aggregate General Liability and $1,000,000 / $2,000,000 Occurrence (Common Cause)/ General Aggregate Liquor Liability
High Liquor revenue accounts eligible
Equipment Breakdown Included
Data Compromise / Identity Theft Recovery Coverage available
Broadened Property and General Liability Coverage Forms
Employment Practices Liability available
Food Contamination Coverage
Business Umbrella Insurance
Today's restaurant environment is more complex than ever and you want to know you're covered for unexpected occurrences. California Insurance Service All in One Restaurant Package includes Business Liability, Property, Crime, and other coverages designed to meet your insurance needs. Whether your restaurant is elegant, trendy, traditional, ethnic, or home-style we have the package for you. We offer insurance for the following types of restaurants:
Here are some of the coverage options that are available to you to help you with your insurance needs.
Buildings at Replacement Costs or Actual Cash Values
Automatic Increase in Building Amount (inflation guard)
Contents at Replacement Costs or Actual Cash Values
Automatic Increase of the contents for seasonal fluctuation
Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period
Loss of income & extra expense from power interruption
Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement
Comprehensive equipment breakdown coverage
Coverage extension to newly acquired buildings and contents
Fire department service charge and extinguisher recharge cost
Debris removal & Pollutant clean up cost
Back up of sewers or drains
Accounts Receivables and Valuable Papers coverage
Computer equipment including Media & Records
Earthquake or earthquake sprinkler leakage
Transportation (Transit) Coverage
Forgery & Alteration
Money & Securities - both inside and outside of the premises
Money Orders & Counterfeit Currency
Operations and Premise liability including parking lot liability
Personal and Advertising injury liability
Products and Completed Operations liability
Contractual and Owners Protective liability
Hired and Non-owned automobile liability
Employee Benefits Liability
Liquor legal liability