Restaurants

Fireman’s Fund is one of the leading insurers of restaurants – from upscale bistros to family restaurants and pizzerias. We work with independent agents to tailor solutions for each restaurant’s unique needs.

Our restaurant customers appreciate having a broad policy that includes important coverages such as professional liability and errors and omissions – so that gray areas or gaps in coverage that can exist with multiple insurance policies are minimized.

For small restaurants we offer a broad, streamlined policy.

  • Expertise, Commitment and Broad Protection in One Policy

    Fireman’s Fund is one of the leading insurers of restaurants – from upscale bistros to family restaurants and pizzerias. We work with independent agents to tailor solutions for each restaurant’s unique needs.

    Our restaurant customers appreciate having a broad policy that includes important coverages such as professional liability and errors and omissions – so that gray areas or gaps in coverage that can exist with multiple insurance policies are minimized.

    For small restaurants we offer a broad, streamlined policy.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • What if credit card data is stolen?

    A waiter steals credit card numbers and uses them to buy expensive electronics. Your restaurant faces significant expenses, including fines from credit card companies.

    The Fireman’s Fund restaurant package includes data compromise coverage, and if you add our unique, payment card security extra expense coverage, you will be covered for contractual penalties, fraudulent charges, reissuing cards and computer upgrades to safeguard the system.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • Is food poisoning covered?

    Calls are pouring in from guests who are sick after eating at your restaurant. Over the next few days, 50 cases of E. coli are confirmed. City inspectors force you to close the restaurant and throw out all food.

    Fireman’s Fund offers an endorsement to our restaurant package that provides coverage for food contamination that causes illness and forces you to close your restaurant. This coverage is in addition to communicable disease coverage, which is included in our restaurant package and covers the extra expenses you incur if there is an outbreak of a communicable disease in your restaurant.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • In a crisis can you protect your reputation?

    The media learns about your restaurant’s outbreak of E. coli, and the phones are ringing off the hook. You expect to lose significant income, as well as incur significant extra expenses for guests’ medical bills. You need a crisis communications specialist to advise you on public relations.

    The >Fireman’s Fund Crisis Management endorsement pays for the services of a professional communications consultant for 60 days after a covered event. It also provides coverage for lost income, extra expenses and post-event expenses, including guest medical bills, transportation and counseling.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • Are your vintage wines protected?

    Your flagship restaurant has a large wine cellar, filled with vintage, irreplaceable wines. A fire destroys the entire collection.

    Standard insurance policies only pay to replace wine at its original cost. The Fireman’s Fund unique Wine Collection Valuation endorsement reimburses you for the selling price on the menu for wine not otherwise readily replaceable.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • How fast can you get back in business?

    We understand that your customers will find other places to eat. We are committed to getting you reopened. That means we discuss your claim on the day it’s reported, and we often inspect your loss that same day.

    We also maintain a nationwide network of contractors who provide emergency services, estimates and repairs and guarantee their work for two years. That helps speed the claims and construction process, so you can welcome back your customers as soon as possible.

    To learn more, contact a > Fireman's Fund independent agent.

     

  • Will you lose your waiters if you’re closed?

    Your restaurant has a major kitchen fire, and you’ll be closed for months, waiting for permits and construction. In the meantime, your longtime wait-staff is looking for work.

    Fireman’s Fund offers an endorsement that allows you to include tip income within ordinary payroll in calculating business interruption expenses. So you can retain your best employees. 

    To learn more, contact a > Fireman's Fund independent agent.

     

  • Can you prevent a loss?

     A family-style restaurant remodeled, replacing the old carpet with ceramic tiles. On the first rainy day a customer slipped on the wet tiles and fell. She wrenched her back and sued for medical expenses and negligence. The loss could have been prevented if the restaurant owner had studied the slip-resistance of flooring options and had chosen another kind of tile.  

    Fireman’s Fund is committed to helping restaurants reduce risk. Our dedicated restaurant loss control consultants help customers identify risks and develop plans that prevent losses. We also offer a wealth of online information and training courses for restaurant personnel.

    To learn more, contact a > Fireman's Fund independent agent.

     

    These examples of risk mitigation successes are illustrative only and same or similar results are not guaranteed.

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