Illustration of a restaurant

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

  • Up to $2.5M TIV

  • 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 logo

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

  • Fast food

  • New ventures (where owner has less than 3 years experience

Frequently quoted classes

  • Restaurants operated by concessionaries

  • Restaurants with no sale of alcoholic beverages

  • Restaurants with BYOB

  • Restaurants with sale of alcoholic beverages

Appetite Overview

ISO Code

Description

NAICS Mapping

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

16909

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

16819

Description

Restaurant - Operated by Concessionaries - For Profit

NAICS Mapping

722513

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

Recent restaurant,
bar and tavern wins

Type of riskPremiumState

Type of risk

Restaurants with No Sale of Alcoholic Beverages with Table Service

Premium

$1,755

State

FL

Type of risk

Restaurants with No Sale of Alcoholic Beverages with Table Service

Premium

$9,512

State

FL

Type of risk

Restaurants with No Sale of Alcoholic Beverages without Table Service with Seating

Premium

$3,683

State

GA

Type of risk

Restaurants with Sale of Alcoholic Beverages that are Less Than of the Annual Receipts of the Restaurants with Table Service

Premium

$12,269

State

FL