Restaurant/Tavern

Property:

• Various options available
• Food Spoilage
• Single Cause Deductible applies if property is written with Crime or Inland Marine
• Property Extension Endorsement
• Equipment Breakdown Coverage

Liability

• Limits to $1,000,000/$2,000,000
• Hired & Non-Owned Auto (if no delivery)

Liquor Liability

§ Monoline & Package Available (In Minnesota Monoline Only Available In Metro Area)

Umbrella

• Limits to $5,000,000

Crime

• Employee Dishonesty (Form A)
• Theft, Disappearance & Destruction (Form C)

Inland Marine

• Satellite Dishes
• Signs
• Maintenance Equipment

Risks Not Eligible

• Woodburning stoves as primary heat source
• Unansuled Restaurants
• Risks not under current ownership, name and/or location for minimum of two years or equivalent experience
• Risks with annual receipts under $75,000
• Risks purchased on "contract for deed"
• Buildings over 30 years that have not had updates to roofing, plumbing, heating, and electrical

Acord applications and restaurant/tavern supplement and three-year company loss runs are required to quote. Photos are required (All sides of a building) if buildings are 20 years & older. Financial statements are required within 10 days of binding if property values exceed $300,000. 

Interest free payment plan is available on risks over $2,500 premium.

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