Bob Ptaszek of Quincy Insurance Consultants, caters to the insurance needs of today’s restaurant owners, offering quality coverage unique to the industry. Our value proposition is straight-forward. We can better serve you because we specialize in and understand the restaurant industry

Definitions of Coverage
Broad coverage designed for your industry and tailored to your standards. Competitive pricing from A.M. Best “A” Rated Insurance Carriers Responsive, fair claims services that protect the best interests of policy owners Access to safety & loss prevention information specifically for restaurant operations

Our superior knowledge and experience in restaurant insurance and risk management issues, has allowed us to build develop a portfolio of coverage that addresses every facet of your restaurant operation.

A partial list of available coverage’s include:·

• Property Insurance / Building; Tenant Improvements; Contents
• Business Income
• Checkroom Theft
• Equipment Breakdown
• Food Contamination/Spoilage
• Crime/Employee Dishonesty
• General Liability
• Employee Benefit Liability
• Liquor Liability
• Workers’ Compensation and Employers’ Liability
• Umbrella/Excess Liability
• Financial Stability: Issuing policies from A.M. Best “A” Rated Insurance Carriers, with the financial strength to provide stable, consistent and competitive pricing.
• Industry Knowledge: From the front door, to four tops, to walk-in freezers, we know the risks you face and know how to protect those risks unique to the restaurant industry
• Claims Service: Our team is there wherever you need them, and whenever you need them. If you are interested in benefiting from all that Rodney Nars has to offer or would like to learn more, please fax or e-mail a completed Restaurant Application.

Please check your specific proposal of Coverage Outline. These definitions are listed for discussion only,and your coverage may be different. Please ask if you have questions.

DEFINITIONS OF COVERAGE STANDARD COVERAGE

GENERAL LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit or claim involving accidental bodily injury or property damage on the insured’s premise during the normal course of business. Typically this includes legal defense cost.

PROPERTY/CONTENTS: Will pay for direct physical loss of damage to covered unattached physical items such as tables, chairs, inventory, etc. located at the insured’s premises, and caused by or resulting from any covered causes of loss, such as Fire, Theft, Windstorm, etc.

PROPERTY/TENANT IMPROVEMENT: Will pay for direct physical loss or damage to covered attached physical property which was originally paid for by the tenant.

PROPERTY/BUILDING: Will pay for direct physical loss or damage to a covered building from a covered peril such as Fire, Theft, Windstorm, etc.

OPTIONAL COVERAGELIQUOR LIABILITY: Will pay those sums that the insured becomes legally obligated to pay as damages because of a lawsuit or claim involving bodily injury or property damage on and off premise resulting from patrons of your establishment that were served alcohol.

ASSAULT & BATTERY: Coverage for third party liability claims arising out of any assault or battery. Coverage is patron to patron or employee to patron.

HIRED/NON-OWNED VEHICLE LIABILITY: Provides contingent excess liability for Hired (rented) vehicles and non-owned vehicles (vehicles owned by employees and driven for company business.) Limits are the same as the General Liability policy.

GLASS: Coverage provided for broken or damaged glass windows and doors. Glass is not covered under a typical Property/Building policy unless items are specifically listed.

WORKERS’ COMPENSATION: Can be required by state law. Provides coverage for your employees and other independent contractors, if they are injured on the job.

MONEY & SECURITIES: Theft of money & securities by holdup or theft. Coverage is on and off premise. Cash money is typically not covered under your Property/Content policy.

Business Income & Extra Expense: Will pay for the actual losses sustained due to the necessary suspension of your operations from a covered peril, during a specified period of restoration.

ACCIDENTAL MEDICAL: Provides medical reimbursement expense for accidental injury; Employees, Spectators, Participants, Volunteers, and Performers may be insured.