Restaurant Insurance

Restaurant Program
The Restaurant Insurance Program offers a unique package policy specially designed for small to mid-sized family restaurants FOR LARGER RISKS PLEASE GIVE US A CALL
Our underwriting criteria include:

Apply Restaurant Insurance
Restaurant Supplemental Questionnaire
Eligible Classes of Business:
• Restaurant with no sales of alcoholic beverages• Restaurant with sales of alcoholic beverages up to 25% of total sales• Restaurant with sales of alcoholic beverages of more than 25% of total sales up to a maximum of 35% of total sales• Take out restaurants with no table service, maximum seating capacity of 40• Bakery, bagel or donut shop - baking only• Bakery, bagel or donut shop - with frying• Pizza Shop• Refreshment stand• Sandwich shopCoverage Included:• Equipment Breakdown • $10,000 Power Failure: Off Premises• $5,000 Valuable Papers and Records • $5,000 Accounts Receivable• $2,500 Outdoor Signs • $2,500 Personal Property of Others• $5,000 Personal Property: Off Premises • $5,000 Medical Payments per Person• $100,000 Fire Legal Liability/Damage to Rented Premises
Optional Coverage's
• Enrichment Endorsement • Satellite Dish Antennas• Employee Dishonesty • Money and Securities• Mini/Micro Computers • Accounts Receivable• Glass • Valuable Papers and Records• Increased Fire Legal Liability/Damage to Rented Premises • Outdoor Signs(for tenants only)Coverage's and Limits• Special form business owners coverage for buildings and personal property• Business income coverage included at limit equal to 20% of building plus 100% of personal property limit. Actual loss sustained is available as an option.
Liability Coverage for Premises and Products
Minimum: $300,00 per occurrence, $600,000 aggregateLiquor Liability Area
Restaurant Program Property Protection Code
• Automatic fire suppressant system and fire extinguishers (semi-annual cleaning service contracts required)• Grease filters must be cleaned weeklyExperienced Management• Restaurant must be in business at the same location under the same ownership for a minimum of 3 years
Ineligible Risks can still be written but under a different program.
The following characteristics are not eligible for the Restaurant Program:
• Sale of alcoholic beverages exceeding 35% of total receipts• Total receipts in excess of $2,000,000• New ventures including restaurants in business less than 3 years at the same location• Risks located in Protection Class 9 or 10• Building coverage on frame buildings over 25 years of age• Featuring live entertainment (incidental entertainment, such as a musician playing background music is acceptable)• Dancing• Off premises catering receipts in excess of 35% of total receipts• Fraternal or legion posts• Risks located in a converted structure (converted structure is a building not originally constructed for a restaurant occupancy)• Vacant or course of construction risk (remodeling projects acceptable up to 30 days)• Non-renewed or canceled for underwriting reasons by prior carrier• Seasonal operations (regularly closed more than 30 consecutive days)• On site playgrounds or more than three video games• Location in a marina, hotel, motel or truck stop• Risks with boat docks owned or operated by the insured• Risks with gas pumps• Risks with athletic or sporting events on premises• Building/Liability coverage is not available for multi-occupied risks except for owner occupied apartments
Easy to Write
We have specially designed our program to make it fast and easy for you to write your small to mid-sized family restaurants with us.