About This Coverage

Running a restaurant is challenging enough without having to worry about things like lawsuits, loss of income or property damage. Restaurants face a wide range of risks every day, and each business is unique. Comprehensive restaurant coverage can help reduce these worries and let you focus on your business.

State Eligibility


Eligible State

State Not Available

Industries Available


  • Accommodation and Food Services

Coverage Limits


Up To

$4M

Minimums


Key Features


  • Broad appetite ranging from full sit-down (table service) to take-out
  • Up to $6,000,000 in annual sales
  • Business owners package with the ability to consider up to $5,000,000 in total Property values

Preferred Classes


  • Restaurants - BYOB - with no sale of alcoholic beverages - with table service
  • Restaurants - BYOB - with no sale of alcoholic beverages - without table service, with seating
  • Restaurants with no sale of alcoholic beverages with table service
  • Restaurants with no sale of alcoholic beverages without seating
  • Restaurants with no sale of alcoholic beverages without table service, with seating
  • Restaurants with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurant
  • Restaurants with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurant - without table service, with seating

Restricted Classes


Eligible Vehicle Types


Trucks

Trailers

Vans & PPVs

Liability Coverages


Underwriting Guidelines


Additional Coverage Options


Submission Requirements


  • ACORD Application, fully completed and signed
  • Supplemental Application
  • 3-5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com