Fine dining restaurants accommodate the needs of their customers just as our "A++" rated carrier has elegantly crafted coverage and pricing needs for fine dining or white tablecloth establishments.

Ineligible Fine Dining
Please note we cannot offer coverage to the following:
  • Permits alcohol servers to consume alcohol during their hours of service
  • No liquor license if one is required
  • Located in AL, AK, IL, IA, LA, MS, OR, RI or WV

Available Coverage for Fine Dining
  • Monoline liquor liability product features
    • Basic Form product features defense costs inside the limits of liability and an exclusion for assault or battery coverage
    • Top Shelf product provides coverage for defense costs outside the limits of liability, assault or battery coverage on most risks either included or available as a buy-back up to full limits, and includes coverage for liquor license holder as an additional insured
  • Most competitive restaurant rates available on this class
  • No deductible
  • Employees automatically covered as an insured on the policy
  • Policy includes expanded definition of bodily injury
  • No cap on alcohol percentage

Coverage Limits Available for Fine Dining
  • Limits available up to $1,000,000 each common cause/$2,000,000 aggregate