NOVATO, Calif. — With an increased focus on the hospitality industry, Fireman's Fund Insurance Company has introduced an end-to-end risk management solution for restaurateurs, as well as recreation and leisure business operators, with coverages specifically created for their unique needs.
According to a news release, Fireman's Fund has developed a program specifically for restaurateurs with the right combination of coverage and service, offering both a Commercial Package and Business Owner's Policy (BOP) solution. The packages include:
Property-Gard Restaurant Plus — Provides for clean up and medical costs in the event of food contamination. The Property-Gard policy gives restaurateurs the confidence that their guests will enjoy their dining experience securely and safely.
Business Income and Off Premises Services — When suppliers are unable to deliver or business disruptions force temporary closures, a restaurant's finances can be affected. With Off Premises Services and Business Income coverages, restaurateurs can concentrate on their kitchen.
Tips Included as Business Income — A restaurant's most valuable asset is its employees. With Tips Included as Business Income, restaurateurs can guarantee that employees' tips are covered during a restaurant closure due to a covered loss.
Fine Arts and Wine Valuation — Artwork and fine wine can accentuate the ambiance of a restaurant. Wine Collection Valuation endorsements help protect this key investment by covering the menu price of the wine, not just the original purchase price. To allow for appreciation of valuable artwork, art is covered for up to 150 percent of its original insured value.

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