For restaurants

Restaurants come in all shapes and sizes. Whether it’s fine dining, family fare or fast food, Harleysville’s Deluxe Insurance Program for Restaurants is cooked to perfection. Our package includes the special coverages you need for your business, plus you can add plenty of optional coverages and related life insurance protection. The result is a unique business owners package that is very good for your business.

If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.

What can happen?

In your business, just about anything…

• Customers can slip and fall.
• Kitchens catch fire.
• When storms blow in, lights go out and food can spoil.
• Sometimes, patrons become ill from contaminated food. And when they do, health authorities may shut you down. Fast.

What you can do about it.

Let Harleysville 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 Harleysville 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 Harleysville policy, you have $50,000 coverage to pay for those losses. We’ll 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 Harleysville policy, we’ll replace your spoiled food with a fresh claim check.

Funny 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 Harleysville 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 Harleysville, you have $25,000 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. Within that year, we’ll continue coverage for up to 60 days after your place has been restored if your income has not returned to normal levels. (With most policies, your coverage stops the minute repairs have been made.)

We’ve only highlighted some of the main features of our insurance program. There are lots more, like:

• Money and securities If your cash, credit card slips and other securities are stolen or destroyed, you’re covered up to $25,000.
• Accounts receivable We provide an extra $25,000 coverage to help you "recoup" money owed to you that destroyed records prevent you from collecting.
• Glass breakage Your interior and exterior glass on all levels is specially insured up to $1,000 against breakage—with no deductible.
• Outdoor signs Whether or not your signs are attached to your buildings, they’re covered up to $5,000—with no deductible.

Optional coverages for your business

Harleysville 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:

• Employee dishonesty With your choice of limits per occurrence.
• Systems breakdown For heating, air conditioning and electrical systems used to maintain your business.
• CompuPak® Comprehensive coverage to insure your information processing systems against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many other types of loss. Covers both your hardware and software.
• Group coverages Group term life and short-term or long-term disability coverage is available to protect—and help you retain—your employees. The cost is surprisingly low.
• Business continuation This coverage integrates a funded buy/sell agreement into your plan, protecting the interest of the owners and the future of your operations.
• Building ordinance or law coverage To cover increased costs in construction related to local or federal regulations.
• Employment practices liability This coverage protects you against loss resulting from a wide range of employee lawsuits, including discrimination, sexual harassment and wrongful termination.
• Employee benefits liability coverage To protect you against errors and omissions in administering your employee plans.
• Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal way to meet your legal requirements (ERISA) to protect plan participants against theft of funds.
• Workers compensation Yes, this absolutely essential coverage is available for your business. Ask your agent for details.

Life insurance to protect you and your business

We can also handle all of your business life insurance needs. Some examples include:

• Key employee coverage Designed to protect your business upon the loss of a key employee. Funds can be used to find, hire and train a replacement, as well as compensate for lost business during the transaction.
• Simplified pension plans Owners of small businesses can turn to either a SEP-IRA or a Simple IRA to get the benefits of a qualified pension plan without the higher administrative costs and paperwork hassles.
• Debt protection This coverage can secure the funds needed to pay off a company’s debt upon the death of an owner, helping the business continue as a viable entity during this difficult time.
• Non-qualified executive plans A business may want to reward key people in the organization with such executive plans as deferred compensation, executive bonus and split dollar coverage. Each plan rewards the executive while tying them more closely to the continued success of the business.

Your other insurance needs

Harleysville offers a full line of products to cover all of your other business and personal protection needs:

• Automobile For your business and personal use
• Homeowners Complete coverage for your personal property and liability needs
• Life Choose from a wide variety of life insurance plans to protect you and your family
• Excess liability Broader coverage for losses above the limit of your underlying policies
• Shipmate® Coverage for your boat and liability protection for you
• And much, much more

Want to know more about our special program for restaurants? Contact an agent in your area, or get in touch with our office nearest you.

Note: These coverages are not available in all states. In the event there are discrepancies between this information and your policy, the terms of your policy will govern. Consult your independent insurance agent for more information.

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