Business Type: Restaurants
SIC:  5812

We provide access to carriers willing to write all types of restaurants including fine dining, family, ethnic, seafood, steak and more.

Our menu is full of carriers with appetites for restaurants.

Standard carriers include:

  • Travelers
    • BOP, General Liability, Auto and Workers' Compensation
    • Available on a monoline basis
    • No coastal restrictions apply to monoline GL
    • New ventures are acceptable
      • Three years management experience in restaurant industry required
      • Will write new ventures with no prior experience if it is a franchise operation
  • Safeco
    • BOP, General Liability, Auto and Workers' Compensation
    • Available on a monoline basis
    • No coastal restrictions apply to monoline GL
  • CNA and OneBeacon
    • BOP, Auto and Workers' Compensation
    • Available in  most states
  • Navigators
    • Commercial Package, General Liability and Auto
    • $5,000 minimum premium
    • Liquor liability can be endorsed to a Package policy
  • Lexington (surplus lines)
    • Liquor Liability
    • Special Events
    • Available in most states

Surplus Lines:

Our surplus lines carriers will write Commercial package, monoline GL or property, Liquor Liability and Special Events for restaurants that fall outside of the standard carriers' appetite for any of the following reasons:

  • Fire protection code 9 and 10
  • Table-side cooking
  • Dance floors and cocktail lounges
  • Seasonal operations
  • Liquor sales up to 80% of total sales

Note: Product availability and pricing vary by location.