Fast Food Restaurant on a Businessowners Form

USLI.COM 888-523-5545

Fast Food Restaurant on a Businessowners Form For those that like their quotes as fast as their food! Our Fast Food Restaurant product is designed for fast food restaurants with up to 75 seats without dedicated wait staff.

Eligibilty:

u Take out restaurants u Restaurants with up to 75 seats – No waitress service

Ideal For:

u Fried or Rotisserie Chicken shops u Restaurants u Deli’s u Hamburger shops u Ethnic style restaurants u Pizza shops u 24-hour operations u Drive-ins u Food courts u Internet cafés u Meal preparation stores

Optional Coverages Include:

u Loss of income – on actual loss sustained basis up to the stated limit u Non-owned and hired auto – no delivery service u Signs coverage u Equipment breakdown coverage (including $250,000 food spoilage) u Value Plus Endorsement available on accounts eligible for Special form, offering 13 optional coverages for one low flat charge including: • Signs • Money and securities • Employee dishonesty • Valuable papers • Accounts receivables and more u Liquor liability coverage available in most states

Additional Advantages:

u A.M. Best rated A++ carrier u Quick quote turnaround u Superior policy issuance u Low minimum premium

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your policy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws. Fast Food - NR 4/17 USLI.COM 888-523-5545

Fast Food Restaurants Product Claim Examples

u Property: While cooking french fries in the deep fat u Value Plus: An employee of the restaurant was going through fryer, an employee decided to take a break. The grease tough financial times. They forgot to turn on the alarm system overflowed from the fryer and quickly ignited in the flammable when closing up for the night. No signs of break-in were environment of the kitchen. The fire caused $27,000 in evident, but the owner noticed inventory and cash levels were building damage and $9,500 in business personal property repeatedly lower when this employee closed the store for damage. In order to repair the damage, the fast food the night. The insured notified the police, made an employee restaurant had to shut down for a month, causing a $14,000 dishonesty claim and a money and securities claim. loss in income and $10,000 extra expenses; including rents u Equipment Breakdown: The piping within the hot water and payroll. This was included in the business income with heater ruptured from over usage, causing the fast food extra expense coverage. restaurant to have to shut down for four hours. An equipment u General Liability: A customer of a fast food restaurant went breakdown claim was made. to use the restroom, which had recently been cleaned by an employee The tile floor area just outside of the restroom was still wet and the customer slipped and fell, breaking their arm. The customer filed a lawsuit against the fast food restaurant for pain and suffering, medical bills and rehabilitation expenses.

The insured accepted a new vendor to provide their frozen hamburgers. A customer got a stomach virus from the tainted burger and filed a products//bodily injury claim lawsuit against the insured, alleging severe food poisoning.

u Liquor Liability: A pizza shop with takeout beer denied service to a patron who appeared intoxicated. The patron was later involved in an automobile accident. Despite denying service, the pizza shop was brought into the claim. Although the pizza shop was not found liable, it had to pay $75,000 in defense costs.

u Automatic Business Coverages: The fast food restaurant installed a bright neon sign above the front door in order to attract new business. During a heavy windstorm in the middle of January, the sign fell to the ground smashing into pieces.

Fast Food Restaurant Product As a fast food restaurant owner, do you have the right coverage?

u General liability that includes coverage for mental anguish or u Broad coverage for drive-Ins, food courts, internet cafes, pizza emotional distress shops and more u No coinsurance clause on the property coverage u Available for operations open 24 hours u Loss of income on an actual loss sustained basis u Liquor liability coverage available u Peak season coverage for your business personal property

Why you should place coverage with USLI’s Fast Food Restaurant Product Policy:

COVERAGE FEATURES USLI COMPETITORS Businessowners Policy form General liability that expands the definition of bodily injury to include mental anguish or emotional distress with no deductible Hired and non-owned auto coverage (without delivery) Loss of Income on Actual Loss Sustained basis up to the stated limit No coinsurance clause, classification limitation or designated premises endorsement Personal property of others up to contents limit Peak Season coverage $5,000 transit Replacement cost available Special cause of loss available P Equipment breakdown coverage available Value plus endorsement is available on accounts eligible for special form offering 13 valuable coverage enhancements; including water backup, money and securities, employee dishonesty, valuable papers, signs, accounts receivable and more

Why choose to be insured with USLI?

u One of only 20 A++ rated insurance groups in the United States by A.M. Best. u A proud member of the Berkshire Hathaway Group, recently voted the #1 most admired Property and Casualty Company in the world.

Insure your financial well-being with a stable company that will be there to pay your claim.