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Policies
City and Suburban Lifestyles Restaurant Insurance Market ("Lifestyles") works directly with clients to underwrite broad coverage at competitive prices for a wide range of restaurants and all related food service industries nationwide.
Lifestyles’ approach is to treat our producers and insureds as valued clients. We uphold a high standard for handling claims promptly and fairly, and we respond to all changes in the marketplace.
Our policies include:
Commercial Package Policy
- Includes the broadest coverage in the marketplace
- Replacement Cost Valuation – No Co-Insurance
- Business Income – Actual loss sustained
- Liquor Liability - Available up to program limits
- No Limitation for liquor sales for high end restaurants
- No liquor receipt restrictions
- Comprehensive wine coverage available for expensive wine
collections with options to insure: Selling Price, Stated Value or Replacement Cost
- Hired/Non-Owned Automobile Liability & Valet Parking Liability
Umbrella Liability
- High limits including liquor liability
Workers’ Compensation
- Statutory Coverage by State
Employment Practices Liability Insurance
- Wrongful demotion or termination
- Discrimination
- Harassment
- ... and more
Group Benefits
- Medical
- Life
- Disability
- Long term care
- ...and more
To learn more about the policies we underwrite, contact us.
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