Making the Right Choice: Fine Dining and Family Restaurants
Restaurant Insurance and the Hospitality industry have some unique exposures. We have solutions that will cover all of your potential liabilities. The main factor of where we go to procure your restaurant insurance and get the best program for your coverage and price is dependent upon your operations.
If your operations are Fine Dining and/or Family Style Restaurants, there is a high probability that we will get you a Business Owners Policy. These policies are inherently inexpensive and give you a very robust list of coverages – and the best part is that they’re non-auditable. We have multiple carriers to provide insurance quotes and will render you the results of our marketing efforts. You can choose the carrier that you like the most.
Coverages specifically for the Hospitality industry include…
- Customer Inconvenience Remuneration
- Damage to Customers’ Autos
- Fire Suppression System Recharge
- Communicable Disease
- Emergency Evacuation Expense
- Spoilage
- Food Contamination
- Guests’ Property
Hospitality identifies your focus, but doesn’t completely define your business. Talk to your agent about specific coverages you may need, including:
- Customer Inconvenience Remuneration
- Damage to Customers’ Autos
- Fire Suppression System Recharge
- Communicable Disease
- Customer Inconvenience Remuneration
- Damage to Customers’ Autos
- Fire Suppression System Recharge
- Communicable Disease
Insurance for night clubs, bars, and more
Typical business owners policies have limitations on Alcohol receipts >35% maximum, Live Entertainment restrictions, and Business Hours exclusions. If your business falls into the above category, then we have programs exclusive to your operations.
The Bar, Tavern, Club insurance program offers comprehensive excess and surplus lines packages designed for businesses centered around on-premise alcohol consumption. Unlike other companies, we provide a full range of coverages within one program, and we can design a plan tailored to the unique needs of your business.
Like no other company, we understand the needs and exposures associated with operating a bar or night club – and we’re ready to create a hospitality insurance package for your business today.
Below are some of the details for available coverages…
Eligible businesses include…
- Neighborhood bars
- Neighborhood pubs and taverns
- Cocktail lounges
- Nightclubs
- Discotheques
- Restaurants with high % alcohol sales
Acceptable exposures include…
- Up to 100% alcohol sales
- Dancing
- Live entertainment
- Ladies night
- Bottle service
Acceptable exposures include…
- General Liability
- Liquor Liability
- Assault & Battery
- Damage to Premises Rented
- Business Income & Extra Expenses
BAR, Tavern, Club Risk Management with UIG
We believe in taking a proactive role in reducing our clients’ risk – and trying to prevent loss before it happens. That’s why we provide a full suite of innovative risk management measures, including risk assessments, training and employee education.
Our risk management department has consistently worked with our clients in reducing loss occurrence and the associated costs. We work closely with our policyholders to identify potential exposures and develop the most effective measures to control them.
