Common Questions about Working with E-RestaurantInsurance.com

You probably have questions about the best ways to protect your restaurant. Here are a few of the most commonly asked questions related to business insurance for the food service industry. Contact a E-RestaurantInsurance.com agent to help answer your additional questions.

Q: What specific coverage's do restaurants need?

A: Here are some of the coverage's you should consider:

• Workers Compensation
• Food Spoilage Coverage
• Food Contamination Coverage
• Equipment Breakdown Coverage
• Employment Related Practices Coverage
• Business Interruption Coverage, to reimburse you for lost income when your business is temporarily shut down
• Coverage for risks related to customers' credit cards and information
• Recharge and clean-up expenses as well as lost income replacement when your automatic extinguishing system discharges

Q: What can I expect from E-RestaurantInsurance.com?

A: Our agents will deal with you directly making insurance a stress-free experience:

• We have specialized coverages unique to restaurants.
• We understand that you work long hours, leaving little time to shop for insurance. That's why we will come to you when it is convenient for you.
• We make sure you receive all qualifying discounts.
• Plus loss control resources you can use on your own.

Q: Can E-RestaurantInsurance.com meet both my insurance and financial needs?

A: Not only can we protect your restaurant, but we also offer a full range of business insurance products. So we can cover your business property, business vehicles, as well as special issues like workers compensation, and umbrella coverage.

Q: If I have several locations, do I need to have several policies?

A: No, E-RestaurantInsurance.com can insure all of your locations on one policy, saving you money and paperwork.

Q: Is it cheaper to buy multiple policies from the same insurance company?

A: Yes, we can bundle discounts and pass the savings on to you.

Q: What can E-RestaurantInsurance.com do to help me as my business changes?

A: We offer free, periodic insurance reviews, called Policy Midterm Reviews, to make sure your insurance is keeping up with your business. Plus, we always stay in tune with new trends affecting your industry, so we can adapt our coverage's to provide the best protection for your business.

Q: What is umbrella insurance?

A: It's a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.

Q: How do I pay my premiums?

A: Various options are available, including monthly and quarterly. Contact an agent to work out the best plan for your business.