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  Product Specialty - Restaurant

TARGET MARKETS:

Download our Restaurant Brochure.


  •  Fine-dining
  •  White tablecloth or upscale family dining; without dance floor

Risks underwritten generally do not include:

  • Bars; taverns; brew pubs or mini breweries; cabarets; cafeterias; carry-outs; catering or banquet halls;
    concessionaires; diners; drive-ins; fast foods; nightclubs; pizzerias; refreshment stands; sandwich/soup shops;
    seasonal; self-service.

COVERAGES OFFERED

• Workers Compensation (in New York only)
• Umbrella up to $10M
• Enhanced Inland Marine for Wine Inventory
• Hired & Non-Owned Auto Coverage and
  Valet Parking Operations

• Commercial Package Policy with Liquor Law Liability Coverage
• ISO Special Form
• Restaurant Enhanced Property Coverage Endorsement
• Restaurant Liability Extension Endorsement

Download our restaurant supplement to Acord Application.

Please contact us for underwriting questions.


Restaurant Enhanced Property Coverage Endorsement - Broad Form (optional)

• Money and securities:
    - Inside Premises
    - Outside Premises
• Earthquake
• Mechanical Breakdown
• Employee Dishonesty
• Spoilage
• Utility Services - Direct Damage
• Water, Communication, Power Supply Services
• Fine Arts

• Ordinance or Law included in Limit of Insurance
• Explosion of Steam, Boilers, Pipes, Engines, Turbines
• Personal Effects of Others
• Flood Coverage
• Business Income and Extra Expense:
   - Actual loss sustained – options for 3, 6 or 12 months
   - Waiting period options – 24, 48 or 72 hours
   - Off-Premises Utility Interruption
   - Civil Authority
• Computer Coverage - Blanket Hardware/Software

Restaurant Liability Extension Endorsement (optional)

 • Legal liability for patron's auto while parked on restaurant premises over $500 deductible
 • Lessor of premises and mortgage holder are additional Insureds
 • Unintentional discrimination, provided not committed by an owner or executive, and not for employment-related
   discrimination.

Workers' Compensation Policy - New York Only

• No service fee
• Producer deals directly with company

• Stock company premium discount
• Advanced deviation
• 25% policyholder dividend paid in each of last five years