TOPA - Restaurants

Liability Coverages

Business Liability Coverage

• Limits of liability $500,000 each occurrence/ $1,000,000 aggregate or $1,000,000/ $2,000,000
• Damage to rented premises – limit equals to the occurrence limit of general liability

Medical Payment Coverage includes:

• $5,000 per person, $25,000 per occurrence

Available Optional Coverage:

• Employee benefits liability
• Liquor liability
• Employee Dishonesty
• Forgery and Alteration

Property Coverages

Program Highlights

• “Special Form” - All Risk Coverage
• Replacement Cost
• No Coinsurance for BPP
• 80% Coinsurance for Building Coverage

Additional Restaurant Highlights
“Restaurant Endorsement” included with base policy for
restaurant program only

• Automatic extinguishing system clean, up to $5,000
• Automatic extinguishing system recharge, up to $5,000
• Shutdown from discharge, up to $5,000
• Shutdown from food contamination, up to 30 days
• Spoilage, up to $7,500 (higher limits available)

Coverage Extensions

• Newly acquired or constructed property 25% of building limit, up to $250,000
• Property off premises, up to $10,000
• Outdoor property, up to $2,500
• Valuable papers & records – cost of research, up to $10,000 (higher limits available)
• Property in transit, up to $10,000
• Accounts receivable records, up to $10,000 (higher limitsavailable)
• Electronic data processing equipment, up to $10,000 (higher limits available)
• Personal effects, up to $2,500
• Money & securities, $5,000/ Inside & $5,000/ Outside (higher limits available)

Additional Coverages

• Debris removal, 25% of the amount paid for damage to covered property
• Preservation of property
• Fire department service charge up to $2,500
• Collapse
• Water damage, other liquids, power or molten material damage
• Business income, actual loss sustained; 12 month period limited to $50,000 (higher limits available)
• Extra expense, actual loss sustained; 12 month period limited to $12,500 (higher limits available)
• Pollutant clean up and removal up to $10,000

Optional Coverage Available per Each Location:

• Outdoor signs
• Glass
• Mechanical breakdown
• Building ordinance or law
• Fine arts floater
• Water damage (back-up of sewers or drains)
• Bailee’s coverage $10,000 included with based policy (higher limits available)

For other related Commodore products, click here.