Restaurants Classes

Owners of restaurants, catering companies and other food industry companies require a specific set of protections for risks encountered in their day-to-day operations. Not only do they have to safeguard their cooking equipment and worry about the well-being of their customers, but they also must protect themselves and their patrons from hackers seeking to steal valuable transaction data from their point-of-sale systems. Some of the businesses eligible for coverage include:

• Bagel shops.
• Bakeries.
• Caterers.
• Coffee shops.
• Concessionaires, including stands and carts.
• Delis.
• Fast food restaurants.
• Fine dining restaurants.
• Food trucks.
• Full-service restaurants.
• Ice cream shops.
• Juice bars.
• Pizza shops.
• Sports bars.

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Lines of Business

• Business owner’s policy
• Property insurance
• General liability insurance
• Excess liability insurance
• Liquor liability insurance (Note: Not available in OR or AL)

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• General liability limits of $1M / $2M
• Property limits up to:
  • $1.5m in protection class 1-8
  • $250k in protection class 9-10
  • $1m per location in coastal zones (wind exclusion applies on building coverage)
• Liquor liability limits up to $1M / $2M
• Excess limits available for general liability, up to $5m
• Defense costs outside the limit of liability
• Hired / non-owned auto insurance available for businesses without delivery service
• Damage to premises the owner rents
• Equipment breakdown, including a sublimit for food spoilage
• Crime coverage available
• Assault and battery coverage available
• Expanded definition of bodily injury

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Eligible Risk Attributes

• New ventures with prior management experience
• Up to 100% alcohol sales
• Dancing
• Entertainment

Ineligible Risk Attributes

• Businesses located in AK and HI, limited appetite in LA, and WV
• Buildings not updated in the last 20 years
• Frame buildings without sprinklers or UL300 sprinkler system
• Nightclubs
• Bottle service and setups
• Adult entertainment
• Low-priced drink specials that continue late into the night
• Open after 2 am
• Establishments that allow patrons to bring their own alcohol
• Frequent claims from fights or slip-and-falls

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