Restaurant Programs

The RISCO Restaurant, Bar & Tavern Program has been in operation since 1992. The program offers broad package policies written with an A+ IX Insurance Company, on a non-admitted basis. This package includes Property, Crime, Enhancements, Equipment Breakdown, CGL, Hired & Non-Owned Auto and Liquor Liability**.

The RISCO Restaurant, Bar & Tavern Program has been in operation since 1992.  The program offers broad package policies written with an A+ IX Insurance Company, on a non-admitted basis.  This package includes Property, Crime, Enhancements, Equipment Breakdown, CGL, Hired & Non-Owned Auto and Liquor Liability**.

Liquor LiabilityWe write restaurants, bar and taverns with a great deal of underwriting flexibility. We can write frame, non-sprinkled buildings, Protection class 9 and better, coastal, seasonal and new ventures.  We can include CGL coverage for owned apartments and dwellings, mercantile units (LRO) incidental to the restaurant.  We also can include coverage for catering which is a smaller part of the restaurant operation.

** Liquor not available in all States.

Coverage Highlights:

  • Property including Frame, Non-Sprinkled, High Protection Class, and Coastal Locations
  • Property Extension Endorsement
  • Boiler & Machinery
  • Crime
  • General Liability
    • Can include Owned Apartments, Dwellings, and Mercantile Units incidental to the Restaurant
    • Catering exposures
  • Liquor Liability**
  • With Limited Entertainment
  • With Modest Dance Floors
  • Assault & Battery – available
  • Hired & Non-Owned Auto
  • Employee Benefits Liability
  • Umbrella Liability – can include liquor

** Liquor Liability not available in all States.

restaurant insurance programs

Targeted Insured

Our targeted account are usually single location, but 2 or 3 locations are acceptable.

The types of risks we will consider are:

  • Family Restaurants
  • Neighborhood pub
  • Fine Dining
  • Ethic Restaurants
  • Bistros & Café Style
  • Banquet Facilities are acceptable as long as it is less than 25% of total revenues

Incidental Exposures:

  • Caterers
  • Retail Stores
  • Apartments
  • Building LRO
  • Docks up to 10 slips

Ineligible:

  • Night Clubs
  • Gentlemen’s Clubs
  • College Bars
  • Dance clubs
  • Fast Food Operations
  • Super Clubs

How to Submit a Business

Our goal is to release quotes within 3 business days and we do request a fully completed RISCO application.  We need the following information to provide a quote.

  • Restaurant, Bar & Tavern Application
  • 3 Years hard copy loss runs (currently valued)
  • Websites and menus helpful
  • Entertainment and Liquor sections completed when coverage is requested.