Gary Chandler Insurance Agency
Restaurant Insurance
Established in 2004, the Gary Chandler Agency, is a multi-line insurance agency, providing personalized insurance coverage for families and businesses, throughout Washington and Oregon. We represent some of the finest insurance carriers in the nation and pride ourselves in providing courteous and professional service.

Restaurant Insurance

Listed below are the Coverages and Package limits available.

Typical Restaurant Coverage Summary
Property Coverages Basic Package Limits Enhanced Package Limits
Business Income 18 months - actual loss sustained 18 months - actual loss sustained
Business Income 72-Hour Buyback Usually enhanced only Included
Seasonal Automatic Increase—BPP Additional 25% included Additional 25% included
Accounts Receivable $5,000* $25,000*
Arson Conviction Reward $5,000 $5,000
Brands and Labels Usually enhanced only Included
Building Ordinance As Desired As Desired
Business Owner EDP Optional $10,000*
Claim Expense Coverage $1,000 $5,000
Customer Property $2,500 $10,000
Debris Removal $10,000 $10,000
Equipment Breakdown Usually enhanced only Included
Fire Department Service Charge $1,000 $5,000
Fire Extinguisher Recharge $2,500 $10,000
Lock Replacement Coverage Usually enhanced only $1,000
Newly Acquired Buildings $250,000 $500,000
Newly Acquired BPP $100,000 $250,000
Outdoor Signs Optional $5,000*
Personal Property Off Premises $5,000* $5,000*
Pollutant Cleanup & Removal $10,000 $10,000
Premises Boundary 1,000 feet 1,000 feet
Preservation of Property 30 days 60 days
Spoilage $2,500* $25,000*
Tenants Glass As Desired As Desired
Trees, Shrubs and Plants $500/$2,500 $500/$2,500*
Utility Services—Business Interruption Optional $10,000*
Valuable Papers and Records $5,000* $25,000*
Crime Coverages Basic Package Limits Enhanced Package Limits
Employee Dishonesty $1,000* $10,000*
Money and Securities - Inside/Outside $2,500* $5,000*
Forgery and Alteration $2,500 $2,500
Money Orders & Counterfeit Paper Currency $1,000 $10,000
Liability Coverage
Limits
Premises/Operations and Products/Completed Operations
Up to $2,000,000
Premises/Operation Aggregate
2 x Liability and Medical Expense Occurance Limit
Products/Completed Aggregate
1 x Liability and MedicalExpense Occurance Limit
General Aggregate:
2 x Liability and Medical Expense Occurance Limit
Tenants Liability
$75,000
Medical Expenses
$5,000 per person/$25,000 per occurence
 
*Higher Limits available