Property insurance for buildings and contents owned by the company. This includes the property of others in your care, custody, or control, along with your own business equipment, fixtures, and stock.
PROPERTY INSURANCE
Coverage if you’re sued for causing harm to a person or damage to property. It also provides for the cost of your legal defense.
LIABILITY PROTECTION
Replacement for loss of income resulting from a fire or other catastrophe that disrupts the operation of the business.
BUSINESS INCOME INTERRUPTIONS
RESTAURANT BOP FEATURES
- Arson, theft, and vandalism reward: up to $10,000 for rewards resulting in an arrest or conviction.
- Lost business income resulting from a website outage: basic limit of $10,000, with higher limits available.
- Contract penalties: up to $1,000 for contract penalties when you are unable to provide your product or service due to a covered loss.
- Accidental discharge of automatic extinguishing system protecting cooking equipment: up to $5,000 each for recharge expenses, cleanup expenses, and lost income.
- Food contamination: up to $10,000 to cover your loss in business income, along with up to $5,000 for advertising expenses you incur to restore your business reputation.
- Credit card forgery: up to $5,000 for losses resulting from fraudulent credit or debit card charges.
- Spoilage: basic limit of $10,000 for spoilage losses due to power interruption, with higher limits available (up to $1 million for spoilage losses due to the breakdown of your refrigeration or freezer equipment.)
RESTAURANT BOP DISCOUNTS
- Multi-location franchise discount: 2.5% discount for two to five locations, 10% discount for more than 20 locations.
- Workers’ compensation discount: Save at least 5% on WCF workers’ compensation coverage. Discount increases 1% for each year the workers’ compensation remains with WCF—up to a maximum of 10%.
- Experience modification (emod) discount: additional discount for accounts with emod less than 1.00.
- Utah Restaurant Association discount: 5% discount for Utah Restaurant Association members.
