Typical Restaurant Coverage Summary
|Property Coverages||Basic Package Limits||Enhanced Package Limits|
|Business Income||18 months – actual loss sustained||18 months – actual loss sustained|
|Business Income 72-Hour Buyback||Usually enhanced only||Included|
|Seasonal Automatic Increase—BPP||Additional 25% included||Additional 25% included|
|Arson Conviction Reward||$5,000||$5,000|
|Brands and Labels||Usually enhanced only||Included|
|Building Ordinance||As Desired||As Desired|
|Business Owner EDP||Optional||$10,000*|
|Claim Expense Coverage||$1,000||$5,000|
|Equipment Breakdown||Usually enhanced only||Included|
|Fire Department Service Charge||$1,000||$5,000|
|Fire Extinguisher Recharge||$2,500||$10,000|
|Lock Replacement Coverage||Usually enhanced only||$1,000|
|Newly Acquired Buildings||$250,000||$500,000|
|Newly Acquired BPP||$100,000||$250,000|
|Personal Property Off Premises||$5,000*||$5,000*|
|Pollutant Cleanup & Removal||$10,000||$10,000|
|Premises Boundary||1,000 feet||1,000 feet|
|Preservation of Property||30 days||60 days|
|Tenants Glass||As Desired||As Desired|
|Trees, Shrubs and Plants||$500/$2,500||$500/$2,500*|
|Utility Services—Business Interruption||Optional||$10,000*|
|Valuable Papers and Records||$5,000*||$25,000*|
|Crime Coverages||Basic Package Limits||Enhanced Package Limits|
|Money and Securities – Inside/Outside||$2,500*||$5,000*|
|Forgery and Alteration||$2,500||$2,500|
|Money Orders & Counterfeit Paper Currency||$1,000||$10,000|
IMD leads the way in providing products to specialized markets which include employees of federal, state, and municipal governments, small businesses as well as an array of support to other marketing organizations, agencies and producers.
One of our Specialists will give you a call to identify your families specific needs.
Once we know all of your options, we can start building a plan that’s right for you!
With tailored insurance plans, we can guarantee to find you what you and your family need!
If you want to be part of something great, you have honor, integrity, and intention to live a life. Being part of IMD Insurance & Financial Services LLC means you believe in Family, have Faith, and strive to be the best version of yourself every day. Our mission is to Inspire what is most important to our clients, staff, and team members that we are so privileged to work with. To motivate each other when we are struggling or down and consistently drive each other to be the best, they can be so that the people in their lives can be in a better place. Being part of something great is not giving up!