What Fine Dining & Upscale insurance covers

The signature fine-dining line. Once a guest hands over keys, the car sits in the restaurant's care, custody, and control, where general liability and the auto policy both leave off. Garagekeepers answers theft, fire, vandalism, and collision damage to a customer's vehicle in valet custody. It is needed whether valet runs in-house or through a contractor, and a contractor's additional-insured certificate is part of the file, not a substitute for it.

A cellar holding six or seven figures of wine, rare spirits, and original art is under-served by blanket business personal property, which pays actual cash value and caps a payout under a margin clause. Scheduled coverage at agreed value, built off a bottle inventory and an art appraisal, pays the value the collection is worth and reaches perils, like breakage and temperature loss, that standard property forms exclude or limit.