To our customers impacted by recent storms

We hope you and your family are safe. If you have been affected by one of the recent hurricanes and need to make an insurance claim, please call 1-800-362-7535 or click here to file your claim online.

BOP: Eateries

Here are some eateries that are a great fit for the Essential BOP:

  • Ice cream and yogurt shops
  • Cafés
  • Sandwich shops
  • Bakeries
  • Casual dining restaurants

Available endorsements:
It is important to ensure your clients are protected against equipment breakdown. One power surge could destroy electronics and machinery vital to daily operations.

Equipment breakdown coverage includes:

  • Pollutant clean-up and removal -Up to $250,000
  • Expediting expense
  • Refrigeration contamination -Up to $250,000
  • Spoilage coverage -Up to $50,000
  • CFC refrigerants
  • Computer equipment
  • Service interruption
  • Valuable papers and records
  • Environmental safety and energy efficiency improvements
  • Green environmental and efficiency improvements
  • Food contamination - $10,000 cleanup and replacement/$3,000 advertising expenses

Additional coverage:
Add our employment practices liability (EPL) endorsement to further protect your business from the financial strain an employee claim can cause. Not only will the EPL endorsement provide you with the coverage you need, you will also have special access to Through this easy-to-use site, you can view and download resources such a model employee handbook, best employment practices checklist, model forms and policies, and a library of employment related articles. 

Click here to learn more about our EPL coverage and available resources.

Ineligible eatery risks:

  1. Bar or cocktail lounges
  2. Seasonal operations – closed for more than 30 consecutive days
  3. Franchise or chain restaurants (Exception: code 09171 ice cream & yogurt shops)
  4. More than 2 fryer baskets
  5. Sale of beer or wine only - no greater than 25% of total sales
  6. Live entertainment