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Insurance | Risk Management | Benefits

Food and Hospitality Insurance Program

Get in the Program and Start Saving! Sage Risk & Insurance Management is pleased to underwrite the Food and Hospitality industry insurance program. The program is underwritten by insurance carriers rated A+ by A.M. Best Company. The coverage will meet all of the insurance requirements of your landlord and service vendor contracts.

    Coverage available include:

    - commercial general liability (with or without liquor liability)

    - workers' compensation/employers liability

    - property insurance including spoilage and business interruption

    - umbrella liability insurance for higher limits up to $10M

   - business auto liability insurance

Find out why each day business owners are switching to SAGE


What We Write

-Franchise Quick Service Program

-Franchise Casual Dining Program

-Fine Dining Restaurants

-Tavern / Night Club | Bar


Seasonal risks, new ventures, frame construction, unprotected, entertainment accounts will be considered with prior management experience. 

Key Components

-"A" Rated Admitted Paper
-Coverage Written on a BOP Form
-Annual Aggregate Limits Apply per Location
-Incidental Medical Malpractice (in GL Limits)
-No Co-Insurance Penalty (Property Coverage)
-Business Income on Actual Loss Sustained

-Unintentional Failure to Disclose Hazard Applies
-Additional Insureds Automatic

(Required by Contract/Agreement/Permit Incl)

-Flexible direct bill payment options


Coverage Features

-Equipment Breakdown (Property Limit)
-Ordinance and Law Coverage
-Outdoor Signs
-Employee Dishonesty
-Food Spoilage (No Waiting Period) $50,000 limit
-Valuable Papers and Records ($25,000)
-Fine Arts Coverage ($10,000)
-Utility Service- Direct Damage
-Utility Service- Time Element
-Food Contamination/Additional Advertising Expense Coverage
-Identity Fraud Expense Coverage

Contact our office for your free evaluation, you could be overpaying by hundreds of dollars!

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