Restaurant Insurance

Keeping Food on the Table and Costs Under Control

As a restaurant owner, you have many important issues to think about-customer service, employee turnover and food safety just to name a few. Cost containment, profit and growth are ongoing concerns.
Cost Cutter Insurance sells Business Owners Policies that meets your needs for protection and expense control; it provides a lot of insurance for not a lot of cost. It protects you against fire, vandalism, lawsuits and other perils-ensuring you can keep putting food on the table, feeding your customers' appetites
day after day.

^{Covering the Basics}

Our Business Owners Policies are designed for a broad spectrum of restaurants, from fast food to family-style dining. It provides all the basic insurance coverages to meet your needs:

• Building and Business Personal Property Coverage-Provides replacement cost coverage from buildings and most business personal property, including limited food spoilage coverage.
• Liability Coverage-Insures against bodily injury, property damage, personal injury and advertising injury. This includes liability resulting from the sale of food.
• Loss of Income and Extra Expense-Protects against loss of business income resulting from an insured loss. We insure your net income and continuing normal operating expenses, including payroll, for up to 12 months-with no preset amount.

Addressing Your Biggest Exposures

Our Business Owners Policy automatically includes employment practices liability insurance and identity theft; which address some of the biggest concerns of small business owners today. EPLI provides coverage for the often formidable costs of defending employers against employee claims of discrimination, wrongful termination or harassment. Identity theft coverage also includes resolution services.

Options for Further Coverage

We offer many options at minimum extra charge to provide both depth and breadth in your insurance coverage, such as:

• Higher Limits and deductibles.
• Expanded Replacement cost coverage for your building
• Extension of business income and extra expense coverage up to 18 Months.
• Blanket limits for property coverages.
• Spoilage coverage, which extends to cover the damage resulting from loss of off-premises power.
• Food contamination coverage for clean-up, food replacement, loss of income and related medical expense due to government-ordered closure.

Let us work for you

Cost Cutter Insurance Agency, Inc. is proud to represent "The Main Street America Group" with roots dating back to 1923. They are rated "A" (Excellent) by A.M. Best, the insurance industry's premier rating organization, in recognition of their financial strength

If you own a restaurant and would like to get a price on Restaurant Insurance, please feel free to call 704-821-044 or request a quote online at www.CostCutterIns.com

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