The PMA Insurance Group -- PMA Elite Coverage for Restaurants

PMA's Restaurant Industry Group primarily focuses on the types of restaurants characterized as upscale. This includes but is not limited to: white table restaurants, white linen restaurants, fine dining, and restaurants with exclusive cuisine offered in a distinct setting and prepared by a professional staff. These restaurants include those offering classic, ethnic, or specialty cuisine prepared and served by a professional staff in a premium setting.

Catering operations, which are incidental to the restaurant operation, is included in this industry group. Wholesale restaurant suppliers are also included in this group.

CORE PROPERTY ENHANCEMENTS
Alarm, communications & monitoring systems		Lawn maintenance and snow removal equipment
Arson Reward		Money and Securities
Burglary Damage to Building		Outdoor Property
Change in Temperature - Humidity		Paved Surfaces
Emergency Evacuation Expense		Personal Property in the open extended to 1,000 feet
Fences		Pollutant Cleanup and Removal
Fire Department Service Charges		Preservation of Property
Foundations		Proof of Loss Preparation
Glass		Recharge of Fire Protection Equipment

PROPERTY COVERAGES
Accounts Receivable		Limited Worldwide coverage
Back-up Sewers, Drains or Sumps		Lost Key Coverage
Brands and Labels		Manufacturers Consequential Loss Assumption
Builders Risk and Installation		Newly Acquired/Constructed
Civil Authority - Amendment		Ordinance or Law Coverage
Communicable Disease Expense		Personal Effects/Property of Others
Contract Penalty Clause		Property Off Premises
Crime Enhancements		Sales Representative Samples
Dependent Properties*		Trade Show Exhibits
Electronic Data - Amendment		Transit
Extended Business Income - Amendment*		Unscheduled Fine Arts
Extra Expense		Utility Services-Combined
Food Contamination Coverage		Valuable Papers
Incompatibility of Data/Media
* Included when there is Business Income.