We now have Equipment Breakdown coverage available for your restaurant clientele. We have designed this program to specifically target the needs of your clients’ restaurant exposures, at a very competitive rate; with higher sub-limits than are typically found with our competitors.

Our standard quote is for a combined Property Damage, Business Income and Extra Expense limit of $500,000. We can offer optional combined limits of $1,000,000 and $2,500,000. One great feature of our program is the combination of one deductible for property damage and spoilage losses; many other companies offer two separate deductibles. We have added a Utility Interruption endorsement which provides coverage going all the way back to the power grid, as opposed to within 1,000 feet of described premises. These are just a few of the enhancements we have put together for this class of business.

Combined PD and Spoilage Deductible $1,000 & $2,500 options

We have binding Authority to $20,000,000 in Property Limits!

Minimum Premium of $400! A-Rated Paper


Comprehensive Form Covering Boilers, Pressure Vessels, Mechanical & Electrical Machines including Air Conditioning, Refrigeration Equipment Electrical Apparatus and Electronic Computer or Electronic Data Processing Equipment including Production Machines

Combined PD, BI/EE; Ordinary Payroll:

  • At desired limit of $500,000, $1,000,000 or $2,500,000.
  • Property Damage Including Property in the Insureds Care Custody and Control and EDP Equipment

Combined PD and Spoilage Deductible:

  • $1,000 or $2,500 options

Sub Limits:

  • $50,000 – Spoilage
  • $50,000 – Utility Interruption
  • $100,000 – Water Damage
  • $100,000 – Ammonia Contamination
  • $100,000 – Expediting Expense
  • $100,000 – Hazardous Substance
  • $500,000 – Demolition Increased Cost of Construction

Business Income:

  • Combined with PD – Combined Business Income Including Extra Expense; and Ordinary Payroll
  • Deductible – 24 hours

Utility Interruption:

  • Electric, Gas, Steam and Water – Coverage is provided back to the originating power grid
    (not limited to within 1,000 feet).
  • Limit – Combined – as respects EE
  • Waiting Period – 24 Hours
  • Deductible – 24 Hour – As respects BI
  • Part of Combined – As respects Spoilage


  • 30 days – Notice of Cancellation except Non Pay
  • 90 days – Automatic Coverage for New Locations PD & BI
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