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Protect Your Business With A Food Services BOP From Nationwide

Accidents happen, and savvy food service operators protect their restaurants, snack bars and coffee shops against unexpected losses by investing in a food services business owners policy. Commonly referred to as “BOP” insurance, this policy bundles together important coverages at a price that’s often lower than buying the same coverages separately.

What a business owners policy for food services covers

BOP insurance is similar to a homeowner’s policy for your business. It offers a variety of coverages that most food service operations need. More importantly, it can help you cover expenses when unforeseen events interrupt your ability to generate cash flow.

A typical food services BOP includes:

• Property Insurance, which protects your building, equipment and inventory
• Business Income Coverage, which covers your losses that occur when you must suspend your operations due to a covered loss
• Bodily Injury Insurance and Property Damage Liability Insurance, for those instances when your employees, products or services cause harm to other people or their property.
• Equipment Breakdown Insurance that protects you if your equipment is damaged from power surges, mechanical breakdown, burnout or accident.
• Medical Payments Coverage for medical expenses resulting from injury to others on premises you own or rent.

Customize your food services business owners policy

Nationwide’s business owners policy for food services can be supplemented with optional coverages that provide the coverage you need, which may include:

• Food Contamination Coverage
• Spoilage Coverage
• Business Auto Coverage
• Workers Compensation Insurance

Your Nationwide Business Insurance Agent can help you decide which options and limits are right for your situation.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.