‘Your Own’ Restaurant Policy

The Prairies boast some of the best restaurants in the country. We should know, we’re fortunate enough to live and work here too. Red River Mutual is owned by its policyholders. We invite you to own a piece of our company by allowing us to protect yours.

Ask your Broker to explain all of the extra coverages packed into Your Own Restaurant Policy.

Applicable Extensions

Every Red River Mutual commercial package includes an additional bundle of more than 50 extensions that provide over $1,000,000 in extra coverage to meet your unique business needs.

Below are some of the key extensions we added to Your Own Restaurant Policy:

3D Crime Coverage

  • Employee Dishonesty
  • Loss Inside the Premises
  • Loss Outside the Premises
  • Money Orders and Counterfeit Paper Currency
  • Depositors Forgery
  • Computer Theft and Funds Transfer
Accounts Receivable
Brands and Labels
Building Bylaws
Building Damage by Theft
Contents at Temporary Locations
Conviction Reward
Debris Removal (In excess of the amount of insurance)
Electronic Data Processing Equipment & Media Including Systems Breakdown
Exhibition Coverage
Exterior Building Glass
Exterior Paving
Extra Expense
Fire Department Expenses
Fire Suppression System Recharge
‘Green’ Environment Extension
Growing Plants Trees Shrubs or Flowers in the Open
Inflation Protection
Master Key / Lock Repair or Replacement
Mortgage Rate Guarantee
Newly Acquired Locations
Newly Acquired Property
Off-Premises Utilities Interruption
Professional Fees
Property in Transit
Removal of Windstorm Debris
Rental Reimbursement
‘Safety Net’ Clause
Sign Coverage
Stock Spoilage
Valuable Papers

Consider Adding these Extras

Equipment Breakdown
Sewer Backup
Flood
Earthquake
Actual Loss Sustained (Profits)

Click Here to download – Your Own Restaurant Policy PDF