Our program is the best around.
Restaurants come in all shapes and sizes. Whether it’s fine dining, family fare or fast food, Gatta Insurance can cook up exactly what your restaurant needs. If your operations are spread amongst different cites and states or confined to one location, either scenario is great. We cater to small and large accounts alike. We carefully design a restaurant insurance program aimed at protecting your business and customers. Our insurance program includes the special coverages your business needs to thrive in addition to plenty of enhanced coverages and related life insurance protection. The result is a unique business owner’s package that is good for your business.
What can happen?
In your business, just about anything can happen. Some examples include:
What you can do about it.
Let Gatta Insurance help you avoid trouble. We know the restaurant business and the kinds of financial losses you can experience. We took that knowledge and rolled it into a unique package that fits the needs of restaurants owners exactly. Here are some of the many ways our insurance program can protect your business:
Liability coverage Today, everyone knows a lawyer and how to sue. Slips and falls. Food poisoning. Bad acts by an employee. Charges of libel or slander. A customer’s deadly allergic reaction to an ingredient you didn’t list on the menu. The list of acts that can make you a defendant is endless but the answer is simple. You get hefty liability insurance protection as part of your Gatta Insurance policy.
Food contamination E-coli. Hepatitis. This could be real trouble. If the worst happens, you could be shut down. All of a sudden, you have no business. No income. Just expenses: cleaning your premises, replacing the bad food, medical tests and treatment for employees and patrons who get sick.
If you have a Gatta Insurance policy, you have the coverage to pay for those losses. Our policies even help with the cost of advertising aimed at restoring your reputation.
Food spoilage Hurricanes, ice storms, thunderstorms. Mother Nature can cut power faster than an overdue electric bill. Freezers don’t freeze. Lights don’t light. Food goes bad. Even if you have power, refrigeration equipment can go on the blink. Same result. Spoiled food. With a Gatta Insurance policy, we’ll replace your spoiled food with a fresh claim check.
Money Anything to do with money can create a loss for a restaurant owner. Theft and robbery are two ways, but there are others. Forged deposit slips. Missing credit card slips. Counterfeit currency. The solution is to make sure you have a Gatta Insurance policy.
Lost income Suppose your phones go dead. Your sinks go dry. Or your power goes out. When property that supplies your electric, water, gas or communications gets damaged, business gets disrupted. Yet, most policies don’t help you. (What about yours?) With Gatta Insurance, you have built-in coverage for the loss of income you sustain after the first 12 hours following loss of off-premises utility services. We also provide unlimited business income and extra expense coverage for up to a full year following covered damage on your premises.
We’ve only highlighted some of the main features of our insurance program. There are lots more, like:
Optional coverages for your business
Gatta Insurance offers an array of options to complement your fundamental program. And, through our life insurance affiliate, in most states you can further supplement your program with group life insurance, business life for owners and key employees, and simplified pension plans tailored to your business.
Some of the options include:
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
Restaurants and the Hospitality industry rely on Gatta Insurance to manage risks unique to this industry. Our experienced agents have expertise and understanding of these risks and can provide coverage for:
Premiums are based on:
Many of our clients participate in Risk Management programs and have strict House Alcohol Policies.
A risk management program could include:
A Sample House Alcohol policy could include:
If your company is looking for additional coverage afforded through our policy and make certain that you don’t have any gaps of coverage in your policies, Gatta can put a program together tailored for your business.