Spring Into the Busy Restaurant Season with a Utica First Business Owner Policy for Restaurants
Spring is the time when we say goodbye to winter and hello to warmer temperatures and blooming flowers. It is also the time when restaurants and food service businesses see a spike in their businesses and food trucks appear on the streets again. To prepare for this busy season, business owners should ensure the investments they made in their businesses are properly covered against the what-ifs that face the food service industry every day.
Many restaurant and food service business owners have likely heard of the 3 Cs important to the restaurant business—convenience, consistency, and connection. At Utica First, we believe there is a fourth C, coverage. Coverage is the most important thing restaurant business owners need for peace of mind so they can focus on what matters the most—operating and growing their businesses.
At Utica First, we understand the unique nature of the restaurant business and, in particular, the unique risks food truck owners face to the financial well-being of their businesses, such as food poisoning, burns and cuts, equipment loss or damage, vandalism, and vehicle accidents. A Utica First Restaurant Business Owner Policy (BOP) can protect these business owners from financial loss should an accident occur.
Types of Restaurants We Write
We insure most types of restaurants and food service risks, including:
New Ventures Welcomed
New ventures considered! Risks must be “year-round,” and meet all requirements for hoods, duct, and fire suppression systems (contracts for servicing and cleaning must be in place).
What We Cover
Our Restaurant BOP is a conveniently bundled package with protection for:
- General liability (bodily injury, property damage, personal and advertising injury)
- Property (physical location – owned or leased, fixtures, equipment, inventory)
- Business income (lost income due to disruptions in operations)
Customizable Coverage
For added protection, we offer a variety of optional coverages that include:
- Appetizer coverage
- Liquor liability coverage
- Cyber liability coverage
- Equipment breakdown coverage
For over 15 years, Utica First has been the “Go To” insurance company for restaurants and other food service businesses as no one writes more types of restaurants than us. Ensure your staff quotes Utica First on all qualifying restaurant and food service—including food trucks—prospects! More information about our Restaurant BOPs and the full list of what we write can be found here. #KeepingInsuranceSimple
