Contact our Staff

The Clermont Staff and Leadership Team is here to help. Contact us using the information at the bottom of this page. Alternatively, you may use the contact feature on this website to send emails to our staff. We appreciate your business.

William Johnston
- President

David Gianfrancesco
- Executive VP

Donald Togneri, CPCU, CIC, CRM
- SVP Corporate Underwriting &
      Chief Compliance Officer

Mark Mikulak
- SVP Underwriting &
      Business Development

Holly Fettinger, CPCU, AU, API
   - VP Business &Technology
      Operations

Richard Pellegrino
- Chief Financial Officer

Michelle Giuffrida, PHR
- Director of Human Resources

Product Specialty - Restaurant

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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 Accord 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