General Liability

Provides coverage for damages you are legally obligated to pay because of bodily injury or property damage caused by an occurrence and arising out of your ownership, maintenance or use of your premises or operations.

It also provides, unless excluded, coverage for bodily injury or property damage caused by your products after you have relinquished possession to others or from your operations after they have been completed.

$1,000,000 Liability and Medical Expenses
$1,000,000 Personal and Advertising Injury
$300,000 Fire Damage Legal Liability
$10,000 Medical Expenses – Any One Person
$2,000,000 Aggregate


Business Personal Property – Covers your property, contents, and stock usual to your business, other than buildings and property of others in your care, custody and control while at your place of business.   The amount of coverage will be based on the value of your business property.

In the event of a loss, settlement will be made on the basis of the replacement cost of the property, and no deduction for depreciation will apply.

Your property will be insured under the Special Form which insures your property for damage resulting from direct physical loss to covered property subject to the normal exclusions of perils such as, but not limited to: earthquake, flood, wear and tear, mechanical breakdown, and employee dishonesty.

Business Income and Extra Expense

Business Income– Covered for Actual Loss Sustained

Covers loss of net income (net profit or loss before income taxes) that would have been earned or incurred and continuing normal operating expenses, including payroll sustained due to the necessary suspending of operations during the period of restoration.  Suspension must be caused by direct physical loss of, or damage to, property at the premises described in the declarations, caused by or resulting from any covered cause of loss.

Extra Expense – Covered for Actual Loss Sustained

Pays the actual cost of expenses that exceed normal expenses and are undertaken to keep the enterprise in operation during a period of restoration after a covered loss.

Additional Coverages

The Personal Chef program also includes the following additional coverages:

Accounts Receivable $25,000
Backup of Sewers & Drain Water Damage Included
Brands and Labels Included
Claims Expense $5,000
Computer and Media $10,000
Consequential Loss to Stock Included
Debris Removal $25,000
Employee Dishonesty (Incl. ERISA) $10,000
Fine Arts $10,000
Forgery $10,000
Increased Cost of Construction $10,000

Money & Securities

– Inside $10,000
– Outside $5,000

Newly Acquired or Constructed

– Building $1,000,000
– Business Personal Property $500,000
Off Premises Service – Direct Damage $10,000
Outdoor Property ($1,000 per item) $10,000
Personal Effects $10,000
Personal Property of Others $10,000
Property at Others Premises $15,000
Property Off Premises $15,000
Salesperson’s Samples $1,000
Temperature Change $25,000
Transit Coverage $15,000
Valuable Papers and Records $25,000

Click here to complete an online application