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Securing Your Business's Future with Expert Insurance Solutions
Gaylord Insurance's Customized Solutions
Coverage Built for Restaurant Risks
General Liability
Protection for customer injuries, property damage and everyday liabilities.
Property Coverage
Protect your building, equipment, inventory and other business property.
Workers' Compensation
Protection for employees facing workplace injuries and related risks.
Business Interruption
Help protect your income when a covered event disrupts operations.
Explore our bespoke insurance options tailored for every culinary space, and discover how we can help your restaurant business thrive safely and securely.
Eligibility Criteria for Restaurant Insurance
At Gaylord Insurance, we understand the diverse coverage needs of different restaurant types. While Fine Dining Locations are catered to as a Middle Market submission and are CPP (Commercial Package Policy) eligible, all other restaurant types are eligible for our Business Owner’s Policy (BOP).
Here’s what you need to know:
1. Business Experience and Longevity
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We value your experience in the restaurant industry.
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Eligibility consideration requires details about your years in business.
2. Financial Parameters
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Total Insurance Value (TIV) Maximum: Coverage up to $7,500,000.
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Maximum Gross Sales: Up to $10,000,000.
3. Liquor Liability
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Liquor liability coverage is available and can be included in your policy.
4. Delivery and Catering Services
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Delivery services are not generally covered unless outsourced to a third party.
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Catering services are acceptable, provided they constitute less than 20% of total sales.
5. Food Truck Operations
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Food trucks are eligible for coverage if associated with a physical restaurant location.
6. Gaming Facilities
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Gaming is acceptable with the proper security measures in place.
Get in Touch
Ready to take the next step towards securing comprehensive insurance for your restaurant?
To proceed with your insurance quote, please provide detailed information about the restaurant and owner(s) including contact details and relevant experience in the restaurant industry.
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