Our Bar/Tavern/Restaurant Insurance is designed to protect your business that may or may not serve food. J.M. Wilson does offer optional property coverage such as food spoilage, and ordinance or law coverage. Below are some key features that we offer for this program. We offer the coverage as a package or monoline from "A" rated carriers. This is to make sure you get the prefect coverage for your business. 

 

• Bodily Injury
• Medical expenses
• Advertising injury
• Property damage
• Personal injury
• Limited contractual liability

• Business Income - Actual loss sustained
• Business Income Civil Authority - 3 weeks
• Extra Expense
• Equipment Breakdown - included
• Utility services direct damage - Off premises power interruption property coverage
• Utility services time element -Off premises power interruption business income
• $1,000 Fire department service charge
• $1,000 Money Orders / Counterfeit paper currency
• $2,500 Outdoor property
• $2,500 Forgery and Alteration
• $5,000 Increased cost of construction
• $5,000 Money & Securities
• $5,000 Employee Dishonesty
• $5,000 Business personal property in transit
• $10,000 Personal effects
• $10,000 Outdoor signs
• $10,000 Pollutant clean up and removal
• $15,000 Business personal property off-premises
• $25,000 Water damage - Sewer back up
• $25,000 Accounts Receivable
• $25,000 Valuable papers and records
• $25,000 Fine Arts
• $25,000 Electronic data processing hardware and software
• $100,000 Business personal property at newly acquired premises
• 4% Automatic limit increase (building)
• Seasonal 25% increase for business personal property

• Employee benefit liability
• Hired auto liability
• Hired and non-owned auto liability
• Tenants liability
• Excess or Umbrella Coverage Limits from $1,000,000 to $5,000,000