COVERAGES

You’ve poured a lot of passion, creativity, hard work and high hopes into your business. Protect it the right way, with WHG.

The Whitmore Hospitality Group brings a deep commitment, expansive expertise and unparalleled value and service to help restaurateurs protect their success.

To help you protect your profits, assets, concept, hard work, staff, facility, inventory and even your legacy, we will create a customized program to meet your specific and exacting needs.

Our comprehensive suite of protection products include:

• General Liability and Umbrella Insurance
• Commercial Property Insurance
• Business Interruption/Loss of Business with Specific Perils Coverage
• Workers Compensation Insurance
• Employee Practices Liability Insurance
• Liquor Liability Insurance
• Food Contamination/Food Borne Illnesses Insurance

Plus, we are proud to offer the most comprehensive, responsive and aggressively priced restaurant risk management program in the industry, “Restaurant Plus” by Brady Risk.

“Restaurant Plus” boasts an “A” or Excellent Financial Strength Rating in Class XV by A.M. Best

“Restaurant Plus” offers a number of outstanding benefits and protective features, including:

• Separate Deductibles for Property Damage, Time Element and Spoilage to ensure recovery regardless of physical damage
• Tiered Wind Deductible with deductible buy-back options reducing your exposure of a wind deductible
• Named Super Storm coverage
• Complete Employee Practices Liability Insurance (EPLI)
• Cyber Liability to protect your data and reputation
• Dependent Property/Contingent Business Income Coverage –ensures recovery when a nearby/unrelated property has a loss that affects the sales of your business
• Wine & Distilled Spirits Coverage, specifically designed to protect expensive collections
• Business Income Coverage due to Food Borne Illnesses, Work Place Violence and Media Events
• Plus, many more