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Restaurants, Bars & Taverns

For your clients needing non-admitted general liability and/or property coverage for their restaurant, bar or tavern. Pathpoint can quote both types of risks in just a few minutes.

Please note that we do not currently offer liquor liability coverage through any of our markets.

Appetite spotlight

  • TIV up to $5M per location/$5.6M per policy

  • Risks with commercial cooking equipment, as long as they have a UL300 compliant wet ANSUL fire extinguishing system in place over all commercial cooking equipment

  • Risks with cooking equipment that have a semi-annual cleaning contract in place

  • Coverage in all states except for Washington D.C.

Markets

Westchester logoC&F logoNavigators

Considered risks

  • Risks with BBQ pits or smokers (provided they're more than 100 ft from the premises)

  • Can write risks with cooking at the table (as long as patrons not cooking)

  • Hired non-owned auto, if the risk has no delivery, valet parking, or livery, and which are not food trucks

Frequently quoted classes

  • Restaurants operated by concessionaires

  • Restaurants with no sale of alcoholic beverages

  • Restaurants with BYOB

  • Restaurants with sale of alcoholic beverages

  • Fast food restaurants

Appetite Overview

ISO Code

Description

NAICS Mapping

ISO Code

16819

Description

Restaurant - Operated by Concessionaries - For Profit

NAICS Mapping

722513

ISO Code

16820

Description

Restaurant - Operated by Concessionaries - Non Profit

NAICS Mapping

722513

ISO Code

16900

Description

Restaurant - No Sale of Alcoholic Beverages - Table Service

NAICS Mapping

722511

ISO Code

16901

Description

Restaurant - No Sale of Alcoholic Beverages - No Table Service, Seating

NAICS Mapping

722513

ISO Code

16902

Description

Restaurant - No Sale of Alcoholic Beverages - No Seating

NAICS Mapping

722513

ISO Code

16905

Description

Restaurant - Bring Your Own Alcohol - With Table Service

NAICS Mapping

722511

ISO Code

16906

Description

Restaurant - Bring Your Own Alcohol - Without Table Service, With Seating

NAICS Mapping

722513

ISO Code

16910

Description

Restaurant - With Sale of Alcoholic Beverages <35% of Annual Receipts - Table Service

NAICS Mapping

722511

ISO Code

16911

Description

Restaurant - With Sale of Alcoholic Beverages <35% of Annual Receipts - No Table Service, Seating

NAICS Mapping

722513

ISO Code

16915

Description

Restaurant - With Sale of Alcoholic Beverages 30-75% of Annual Receipts - Dance Floor

NAICS Mapping

722513

ISO Code

16916

Description

Restaurant - With Sale of Alcoholic Beverages 30-75% of Annual Receipts - No Dance Floor

NAICS Mapping

722513

ISO Code

16920

Description

Restaurant - With Sale of Alcoholic Beverages >75% of Annual Receipts - Tables, Dance Floor, Table Service

NAICS Mapping

722410

ISO Code

16921

Description

Restaurant - With Sale of Alcoholic Beverages >75% of Annual Receipts - Tables, Dance Floor, no Table Service

NAICS Mapping

722410

ISO Code

16930

Description

Restaurant - With Sale of Alcoholic Beverages >75% of Annual Receipts - Tables, no Dance Floor, Table Service

NAICS Mapping

722410

ISO Code

16931

Description

Restaurant - With Sale of Alcoholic Beverages >75% of Annual Receipts - Tables, no Dance Floor, no Table Service

NAICS Mapping

722410

ISO Code

16940

Description

Restaurant - With Sale of Alcoholic Beverages >75% of Annual Receipts - Bar Service Only, no Tables, Dance Floor

NAICS Mapping

722410

ISO Code

16941

Description

Restaurant - With Sale of Alcoholic Beverages >75% of Annual Receipts - Bar Service Only, no Tables, no Dance Floor

NAICS Mapping

722410