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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 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