The SF Bay Insurance Agency is a multi-line insurance agency, providing personalized insurance coverage for families and businesses. Serving clients in Newark, Fremont, Hayward, Milpitas, California. Our services include Auto, Home, Life, Business and Commercial Insurance.

Listed below are the Coverages and Package limits available.

 

 

Typical Restaurant Coverage Summary
Property Coverages	Basic Package Limits	Enhanced Package Limits
Business Income	18 months - actual loss sustained	18 months - actual loss sustained
Business Income 72-Hour Buyback	Usually enhanced only	Included
Seasonal Automatic Increase—BPP	Additional 25% included	Additional 25% included
Accounts Receivable	$5,000*	$25,000*
Arson Conviction Reward	$5,000	$5,000
Brands and Labels	Usually enhanced only	Included
Building Ordinance	As Desired	As Desired
Business Owner EDP	Optional	$10,000*
Claim Expense Coverage	$1,000	$5,000
Customer Property	$2,500	$10,000
Debris Removal	$10,000	$10,000
Equipment Breakdown	Usually enhanced only	Included
Fire Department Service Charge	$1,000	$5,000
Fire Extinguisher Recharge	$2,500	$10,000
Lock Replacement Coverage	Usually enhanced only	$1,000
Newly Acquired Buildings	$250,000	$500,000
Newly Acquired BPP	$100,000	$250,000
Outdoor Signs	Optional	$5,000*
Personal Property Off Premises	$5,000*	$5,000*
Pollutant Cleanup & Removal	$10,000	$10,000
Premises Boundary	1,000 feet	1,000 feet
Preservation of Property	30 days	60 days
Spoilage	$2,500*	$25,000*
Tenants Glass	As Desired	As Desired
Trees, Shrubs and Plants	$500/$2,500	$500/$2,500*
Utility Services—Business Interruption	Optional	$10,000*
Valuable Papers and Records	$5,000*	$25,000*
Crime Coverages	Basic Package Limits	Enhanced Package Limits
Employee Dishonesty	$1,000*	$10,000*
Money and Securities - Inside/Outside	$2,500*	$5,000*
Forgery and Alteration	$2,500	$2,500
Money Orders & Counterfeit Paper Currency	$1,000	$10,000
Liability Coverage	Limits
Premises/Operations and Products/Completed Operations	Up to $2,000,000
Premises/Operation Aggregate	2 x Liability and Medical Expense Occurance Limit
Products/Completed Aggregate	1 x Liability and MedicalExpense Occurance Limit
General Aggregate:	2 x Liability and Medical Expense Occurance Limit
Tenants Liability	$75,000
Medical Expenses	$5,000 per person/$25,000 per occurence
	*Higher Limits available