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Resaturant Insurance
Texans’s Restaurant program is designed around the needs of your business. With
important coverages like spoilage and medical expenses, along with Texans's
outstanding service, you can be assured your restaurant is protected with
the best insurance value available.
Key Coverages Available for Your Resaturant
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General Loss—protects your buildings and business personal property from
certain losses due to fire, vandalism, theft, windstorm, and other hazards.
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Extra Expense—provides coverage for certain expenses you incur to get your
business running again.
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Accounts Receivable—provides coverage for amounts due from your customers that
you are unable to collect because of loss or damage to records.
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Forgery or Alteration—provides coverage for losses involving forgery or
alteration of checks, drafts, and other covered instruments.
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Spoilage—provides coverage for perishables such as refrigerated food stock.
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Credit Card Receipts—covers losses resulting from losses or damage to your
receipts.
Property Insurance
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Fire Suppression System Recharge—provides coverage for recharging after a
covered loss.
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Arson Reward—provides coverage per arson occurrence when information leads to
conviction after a covered loss.
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Sewer or Drain Backup—provides coverage for damage caused by water that backs
up from a sewer, drain, or sump.
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Outdoor Signs—provides for damage to your attached outdoor sign caused by a
covered hazard.
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Valuable Papers or Records—provides coverage for loss of documents, manuscripts
and records, including data media, caused by a covered hazard.
Liability Insurance
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General Liability—provides coverage for damages legally owed to others as a
result of your business operations. Limits of liability are available to cover
claims of the following:
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Bodily injury
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Property damage
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Personal and advertising injury
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Tenants’ Property Damage Liability—provides coverage for property damage for
which you are legally liable to premises rented to you.
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Medical Expenses—covers reasonable expenses for medical services provided to
persons injured at your premises, regardless of legal liability, which may
preclude legal action.
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Liquor Liability—provides coverage for losses that arise out of the sale or
service of liquor. Not available in all states.
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Employee Benefit Liability—provides coverage for financial losses relating to
private employee benefit programs due to an administrator’s errors or
omissions.
Consider These Options for Additional Protection
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Catastrophe Liability—to help protect your business from the kind of lawsuits
that can devastate a company
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Equipment Breakdown—covers your equipment for loss due to certain damage which
is often not covered by property insurance, warrantees or maintenance contracts
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Commercial Auto—if your business has vehicles, we can insure them properly
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Workers’ Compensation—coverage available in those states without mandatory
plans
Value for Your Insurance Dollar
Texans offers quality protection that represents a great value. This
includes:
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Quality coverage—designed with your company’s needs in mind
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A broad range of property and liability coverages designed to protect
businesses like yours
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Options to tailor your coverage and add higher limits that reflect the unique
insurance needs of your business
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Top-notch claims service—for those times when your business requires help
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Damage mitigation service to quickly stop a problem from becoming larger
Important Notice
Coverage statements shown are simplified descriptions only. The full and exact
contract is contained only in the policy. Eligible classes of businesses are
limited.
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