Restaurants, Bars and Taverns Coverage

Restaurants liability coverage can give restaurant owners peace of mind that their business is covered.

Restaurants, Bars and Taverns Appetite Guide
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General Liability

Eligible small businesses

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Autoquote up to $2.5M TIV

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No alcohol being served/BYOB

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GL options include $500/$1M or $1M/$2M

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BBQ pits/smokers 100+ ft from premises

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Restaurants operated by concessionaries

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Cooking at the table (as long as not by patrons)

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Risks with commercial cooking equipment (check our appetite guide for complete explanations)

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Hired non-owned auto with no delivery, valet, livery, or food trucks included in risk

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Alcohol sales more or less than 75% of total sales

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Available in all states, except for Washington D.C.

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Target segments

RESTAURANTS OPERATED BY CONCESSIONARIES

  • For Profit (16819)
  • Non-Profit (16820)

RESTAURANT NO SALE OF ALCOHOLIC BEVERAGES

  • Table Service (16900)
  • No Table Service, Seating (16901)
  • No Seating (16902)

Restaurant BRING YOUR OWN ALCOHOL

  • With Table Service (16905)
  • Without Table Service, with Seating (16906)

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RESTAURANT WITH SALE OF ALCOHOLIC BEVERAGES

  • <35% of Annual Receipts - Table Service (16910)
  • <35% of Annual Receipts - No Table Service, Seating (16911)
  • 30-75% of Annual Receipts - Dance Floor (16915)
  • 30-75% of Annual Receipts - No Dance Floor (16916)
  • With Sale of Alcoholic Beverages >75% of Annual Receipts - Tables, Dance Floor, Table Service (16920)
  • >75% of Annual Receipts - Tables, Dance Floor, No Table Service (16921) 
  • >75% of Annual Receipts - Tables, No Dance Floor, Table Service (16930)
  • >75% of Annual Receipts - Tables, No Dance Floor, no Table Service (16931) 
  • >75% of Annual Receipts - Bar Service Only, No Tables, Dance Floor (16940) >75% of Annual Receipts - Bar Service Only, No Tables, no Dance Floor (16941) 

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