Insuring Restaurants

Restaurants can be insured on a businessowners policy, which includes property and liability coverage

Primary activity is a Restaurant - typically family-style dining

Liquor sales must be less than 40% of the total food/liquor sales (no bars or taverns)

Property in good repair with stair railings and well-lighted steps in public areas

Combined Building, Contents, and Loss of Income coverage may not exceed $750,000
**Capacity limitations may apply - call your underwriter**

All submissions are subject to inspections and underwriter approval

No operations other than restaurants may be bound. Call your underwriter

No home delivery sales

The owner of a restaurant building who does not operate the restaurant is ineligible for this program (Lessor's risk situations)
**Call your underwriter for coverage the building owner may be eligible for**

Restaurant must be fully operational (not under renovation or under construction) when coverage is BOUND

NFPA UL-300 Fire Suppression System Standard

All new submissions (including rewrites of previous Midstate policies) MUST comply with UL-300, and must be protected by an approved hood and duct system, and MUST have in place a six-month cleaning contract in place from a qualified contractor... **NO EXCEPTIONS**

Commercial kitchen exposures without a hood and duct system or not meeting UL-300 standards, may not be written, even with a premium surcharge.

Insuring Restaurants

Restaurants can be insured on a businessowners policy, which includes property and liability coverage

Primary activity is a Restaurant - typically family-style dining
Liquor sales must be less than 40% of the total food/liquor sales (no bars or taverns)
Property in good repair with stair railings and well-lighted steps in public areas
Combined Building, Contents, and Loss of Income coverage may not exceed $750,000
**Capacity limitations may apply - call your underwriter**
All submissions are subject to inspections and underwriter approval
No operations other than restaurants may be bound. Call your underwriter
No home delivery sales
The owner of a restaurant building who does not operate the restaurant is ineligible for this program (Lessor's risk situations)
**Call your underwriter for coverage the building owner may be eligible for**
Restaurant must be fully operational (not under renovation or under construction) when coverage is BOUND

NFPA UL-300 Fire Suppression System Standard

Commercial kitchen exposures without a hood and duct system or not meeting UL-300 standards, may not be written, even with a premium surcharge.

Click here to download our Restaurant Brochure!

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