Property & Casualty Coverages

We offer a number of coverages designed specifically for the unique operating risks of quick serve restaurant owners.
These coverages include:
Provides coverage for direct physical loss or damage to your store or its contents. In addition, the policy covers Equipment Breakdown Coverage, Property in Transit, Business Personal Property of Others, Property Off Premises, Accounts Receivable and Valuable Papers. Optional coverages include: Business Income, Glass, and Computer.
General Liability
This coverage provides various limits of liability for the store owner and its employees. Coverage includes bodily injury and property damage, personal and advertising injury as well as miscellaneous medical payments to others.
Workers' Compensation

Provides coverage for employees for on-the-job injuries. This coverage applies regardless of fault and is written to follow individual state laws. Coverage is provided for medical expenses and lost wages. There are five states which are known as monopolistic states. These states are North Dakota, West Virginia, Ohio, Washington, and Wyoming. If you reside in these states, you must purchase your workers' compensation through the state.

Business Auto
Liability and physical damage coverage is provided for business autos. Various limits for liability coverage and deductible levels on physical damage are available.
Excess liability coverage above the basic liability limits to cover large claims that exhaust the liability limits in the underlying primary policies. Limits up to $5,000,000 can be purchased.
RSCS Insurance Connection Property & Casualty Program Serviced by Lockton Affinity, LLC
RSCS Insurance Connection Employee Benefits Program Serviced by Altman Insurance Services
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The RSCS Insurance Connection is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers, LLC in California.  Coverage may not be available in all states and is subject to actual policy terms and conditions.  Policy benefits are the sole obligation of the issuing insurance company.  RSCS may receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to RSCS members.  Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. If so, policy coverage forms and rates are not subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer's insolvency