Insurance programs designed with you in mind.

McCaleb-Metzler offers several restaurant-specific insurance programs from national and regional insurance carriers.  Whether your restaurant is eat-in, take-out, fine dining, or anywhere in between, we can offer a coverage-rich program tailored to your needs.  We know that superior service is the foundation behind any successful restaurant.  That’s why we are committed to offering you broad coverages and great rates.

Our programs are specifically designed to meet the unique needs of businesses like yours.  They help protect your property, customers, and employees.  Our programs contain many built-in extras so you won’t be surprised by a lot of additional charges.

Products and Coverage

We offer a variety of property and liability insurance options to provide you with the flexibility to tailor a program to fit your business.

Property Protection:

• Insure your Building and your Contents
• Personal Property of Customers, including theft
• Accidental Discharge of Automatic Cooking Protection Systems
• Spoilage of Refrigerated Property in the event of a power failure
• Back-up of Sewers and Drains
• Computers and Media
• Employee Dishonesty
• Seasonal Increase of Business Personal Property Limit of Insurance
• Credit Card Slips
• Fine Arts
• Outdoor Signs
• Ordinance or Law, to help cover increased construction or demolition costs and contingent liability
• Equipment Breakdown should an electrical or mechanical breakdown result in property damage

General Liability:

We can provide broad liability coverage to meet your business demands, including:

• Bodily Injury and Property Damage to help cover claims arising from your business operations
• Medical Payments to help cover payments arising from injuries to others that occur on your business premises, or as a result of your business operations
• Products Liability to help cover claims arising from your business operations
• Additional Insureds
• Fire Damage Legal Liability (especially important if you lease your building)

Customized Insurance Options:

You take custom orders, why shouldn't we?

• Business Income and Extra Expense - If you were to have a loss (fire for example) that shuts down your operations, your expenses don't stop.  This coverage protects your income stream and covers those extra expenses that would otherwise not arise such as renting temporary space or equipment.
• Liquor Liability
• Commercial Automobile Coverage - can also include:
  • Non-Owned Auto liability
  • Blanket Additional Insureds
  • Hired (rented/leased) Car Liability and/or Physical Damage
  • Lease Gap Coverage
• Workers Compensation
• Commercial Umbrella Liability
• Crime Insurance & Fidelity Bonds
• Wide Range of Deductibles
• Crisis Response Coverage
• Fine Wine Valuation, to help cover the true market value for your fine wine inventory

Service is Our Business Too!

Your restaurant's success lies with your customers.  You strive to deliver what your customers want at a price they like.  Our business is no different.  Our restaurant programs give you broad coverage at a competitive price.  Some of our programs even offer safety services to help improve your restaurant’s safety performance, including OSHA compliance.  Should you have a claim, we will work closely with your insurance company to handle it quickly and fairly.