Dine PAK

Small Business Insurance with The IMT Group

The Dine PAK on the Wadena BOP provides enhanced and tailored coverages for restaurants, with the flexibility to increase or add optional coverages to meet the restaurant’s specific needs.  Insuring your restaurant with Wadena Insurance means protection for buildings, business personal property, and liability exposures.  It also includes coverage for business personal property off-premises, signs, newly acquired buildings and personal property, and employee dishonesty.  The Dine PAK has all the coverages to keep a business owner worry free! 

The Dine PAK on the Wadena BOP provides enhanced and tailored coverages for restaurants, with the flexibility to increase or add optional coverages to meet the restaurant’s specific needs.  Insuring your restaurant with Wadena Insurance means protection for buildings, business personal property, and liability exposures.  It also includes coverage for business personal property off-premises, signs, newly acquired buildings and personal property, and employee dishonesty. The Dine PAK has all the coverages to keep a business owner worry free! 

Property Coverage

The Dine PAK recognizes the importance of protecting your business’ tangible and intangible assets.  Available property coverages include:

  • Buildings
    • Limits automatically increase a minimum of 2% annually
    • Available at replacement cost, actual cash value or functional replacement cost – the choice is yours!
  • Business Personal Property
  • Blanket Coverage
    • Available for buildings, business personal property or combination of building and business personal property
  • Personal Property of Others included in Business Personal Property Limit

Liability Coverage

The increasing number of lawsuits and high costs of legal fees makes it more important than ever in today’s world to have the best liability coverage available.  The Wadena BOP understands your concerns and has included the following coverages in its Dine PAK:

  • $300,000 limit for Bodily Injury, Property Damage, and Personal and Advertising Injury.  Higher limits are also available.
  • $5,000 for medical expenses for anyone other than an insured who is injured on your premises regardless of fault.
  • Defense costs are over and above the limits listed in the policy.

Coverages designed specifically for a restaurant and included in the Dine PAK:

  • Additional Insured – Grantor of Franchise
  • Automatic Extinguishing System for Cooking Equipment
  • Brands and Labels
  • Food Contamination
  • Merchandise Withdrawal Expense
  • Services Errors & Omissions

We would encourage you to find out more about our Dine PAK by contacting a local insurance agent today!