Minnesota Restaurant Association Insurance Program Exclusive Advantages:

This program provides industry-specific services and benefits to all Restaurants and Eligible Class of Businesses that belong to the Association. The Cost Savings and Benefits can have an immediate effect on the “bottom line” of your operation.

• Dedicated Home Office franchise & association manager and team
• 3% association discount on Workers Comp, 5% BOP (Business Owners Package) and a 5% Workers Comp, cross-sell discount
• Potential Dividends to the Association and its Members on Workers Compensation profitability (once premium threshold met)
• Ability for smaller restaurants and eligible class of businesses to have same benefits as larger restaurants and franchises
• Specialized Loss Prevention and Safety Programs
• Dedicated Association underwriting team with three company placement options for further pricing flexibility

 

The only endorsed insurance program for the Minnesota Restaurant Association

Key Features:

• EPL (Employment Practice Liability) / Provides coverage for Human Resource Issues
• Farmers KEY program / Dedicated to Employment Practices Liability Loss Prevention – Assist with a wide range of employment issues and follow best practices in managing the risk:
• Employee Handbook assistance
• Training: Preventing Workplace Sexual Harassment, Preventing Workplace Discrimination, Preventing Wrongful Termination, Promoting Ethical Behavior
• Help line that assists with: Terminations, Discipline, Hiring, Threats of Litigation, Crisis Management, Responding to incidents of wrongdoing.
• Loss of Income / To sustain income during business outage
• Contamination Shutdown / Pays business income lost due to Board of Health closures for E. coli, Hepatitis, etc.
• Food Borne Illness / Loss of Business Income, including profits, fixed expenses, payroll and costs to repair damage caused by media. Any food-borne illness, alleged, actual or intentional
• Equipment Breakdown / Replaces your expensive equipment in case of breakdowns
• Spoilage / In the event the walk-in refrigerator fails, power outage, etc.
• Liquor Liability / Protects owner from injuries caused by serving alcoholic beverages

 

Minnesota Restaurant Association Insurance Program

For information on a quote, please click here to contact a participating Farmer's Agent.

Optional Coverages Available:

• LIQUOR LIABILITY (NOW UP TO 50% OF SALES - higher in fine dining)
• Business Income
• Dependent Properties
• Contamination Shutdown
• Food Borne Illness
• Earthquake
• Sprinkler Leakage
• Fences and Walls
• Fine Arts
• Tenants Improvements and Betterments
• Employee Benefits Liability
  

Premier Coverages:

Contains Primary Package Coverages with increased limits, Coverages below are additional:

• Business Income 72 Hour Buyback
• Brands and Labels
• Equipment Breakdown
• Lock Replacement Coverage

Primary Coverages:

• Accounts Receivable
• Business Income
• Customer Property
• Debris Removal
• Fire Department Service Charge
• Newly Acquired Buildings
• Outdoor Signs
• Personal Property Off Premises
• Pollution Clean Up
• Spoilage
• Trees
• Plants and Shrubs
• Valuable Papers and Records

Unique Concerns for Restaurant Owners:

• How do I stay up to date on city, state and federal regulations?
• How do I replace my expensive equipment?
• What if a customer/employee is injured?
• What if a customer develops food poisoning?
• Coverages to fit every need - Farmers offers two levels of coverage (Primary & Premier) with optional Coverages that enable you to customize the policy to fit your operation. * General Liability based on public square footage, so higher sales does not affect this premium with Farmers *

Note: This is a general description of the coverages and is not a policy contract. The endorsements themselves should be read for the actual coverage and exclusions