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Payne Insurance & Financial Services caters to the insurance needs of today's restaurant owners, offering quality coverage unique to the industry. Designed for full-service fine dining and family restaurants, our value is straightforward...we can better serve you because we specialize in and understand the restaurant industry. We offer:
Broad coverages designed for your industry and tailored to your standards.
Responsive, fair claims services that protect the best interests of policy owners.
Access to safety and loss prevention information specifically for restaurant operations.
We have built upon our experience to develop a portfolio of coverage to address every facet of your restaurant operation. Available coverages include:
Property Insurance - Business Income, Equipment Breakdown, Food Contamination Spoilage, Sewer Backup
Employee Benefit Liability
Restaurant/Bar and Tavern Quote for
Restaurant Business Owner's Package (BOP) can be designed based for the challenges that you face as a business restaurant owner.
Coverage for , Restaurant Insurance Package:
Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your restaurant's doors. It covers your restaurant location and inside contents including fixtures, furniture and valuable restaurant equipment.
Choose Business Liability insurance for accidents, mistakes or injuries that may occur at your restaurant. This may include a customer's claim of a broken tooth or illness because the food served at your restaurant was tainted.
Unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a restaurant owner. Business Crime Insurance covers you for losses both within and outside your restaurant.
Accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. We offer Workers' Compensation insurance for your restaurant so you are prepared when those accidents and illnesses occur.
Because restaurants vary dramatically depending on size, location and style, your businessowners policy may be customized with affordable options, such as:
Property/Contents/Loss of Income Limits to $5,000,000 and Commercial General Liability which includes occurrence Form and Limits of $1,000,000 / $2,000,000 Occurrence / General Aggregate General Liability and $1,000,000 / $2,000,000 Occurrence (Common Cause)/ General Aggregate Liquor Liability
High Liquor revenue accounts eligible
Equipment Breakdown Included
Data Compromise / Identity Theft Recovery Coverage available
Broadened Property and General Liability Coverage Forms
Employment Practices Liability available
Food Contamination Coverage
Business Umbrella Insurance
Today's restaurant environment is more complex than ever and you want to know you're covered for unexpected occurrences. Arizona Insurance Service All in One Restaurant Package includes Business Liability, Property, Crime, and other coverages designed to meet your insurance needs. Whether your restaurant is elegant, trendy, traditional, ethnic, or home-style we have the package for you. We offer insurance for the following types of restaurants:
* Bars/Taverns * Cafe's/Coffee Shops * Diners, Deli's, Food Delivery Services * Fast food Franchises, * Lounges * Pizzerias * Sandwich Shops * Pubs/Sports Bars
Let the Payne Insurance & Financial Services, help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering purchasing restaurant insurance.