Restaurant Insurance in Las Vegas

Advance Insurance has access to the most competitive programs for restaurant insurance in Las Vegas.  Our city has one of the most dynamic atmospheres for restaurants.  As a restaurant owner you need an insurance policy that provides broad coverage at a competitive price whether you operate a full-service restaurant or a fast food restaurant.  You also need an agent that understands the risk exposures unique to operating a restaurant.

Standard Coverage

Basic coverage for your restaurant is provide through your Businessowners policy for

• Buildings
• Business Personal Property
• Tenant's Improvements and Betterments
• Actual Loss Sustained Business Income
• Premises Liability

Optional Coverage

Because standard coverage typically isn't enough we will offer you additional coverage options to make sure that your restaurant is never left without proper insurance. 

• Spoliage of Perishable Stock
• Water Backup
• Valuable Papers and Records, including Electronic Media Records
• Mechanical Breakdown of Computer Equipment
• Employment Related Practices Liability, may include defense costs
• Newly Acquired or Constructed Property
• Outdoor Signs
• Permanent Outdoor Structures for Trash Bins

Additional Optional Coverage

food contamination business income

Pays for the actual loss of Business Income you sustain due to the necessary suspension of your restaurant operations if a government body orders your premises closed because of the discovery of suspicion of food contamination.  Coverage up to $50,000 available

Food contamination extra expense

Pays for the necessary expense to clean your equipment and the cost to replace consumable goods due to the order of a government body.  Also pays necessary costs for medical tests and vaccines for affected employees as required by a goverment body.  Coverage up to $50,000 available.

spoilage coverage

Coverage spoilage of perishable stock resulting from equipment breakdown, contamination or power outage.

utility services - time element

Pays for loss resulting from damage to utility property located off the premises.  Resulting utility outage must last at least 24 hours.

food contamination contingent business income

Especially for franchise restaurants, pays for loss sustained due to alleged or actual food contamination at locations not owned or operated by the insured that carry the same trade name.

non-owned auto coverage

Provides liability coverage for non-owned autos while being used for the purpose of delivery and operated by employees.  Some driver and vehicle requirements apply.

Advance Insurance is confident that it can offer the most comprehensive insurance for your restaurant.  Las Vegas is a city that continues to grow.  We can help your restaurant continue to grow too by offering services such as:

• Worker's Compensation Analysis
• Loss Prevention Strategy
• Compliance with Legal Requirements
• A more complete understanding of your insurance