Axiom's 25 years of expertise covers numerous risks in dining, from fast food to fine dining. We will tailor Fine Dining Restaurant Insurance to the unique operations and exposures of each risk resulting in a customized insurance program that fits your clients’ needs.
 

Eligible Exposures:

•Fine Dining
•White Tablecloth
•Steakhouses
•Up to 65% Liquor with acceptable wine list
•Entertainment limited to acoustical, trios, jazz combos 2 times a week

Optional Coverages Available:
 
Assault and Battery
 Defense outside the Limit of Liability
 Combined Single Limit
 $1,000,000 Hired and Non-Owned Auto Liability
 Valet Parking
 $5,000 Medical Payments (Fine Dining Only)
 Umbrella / Excess: Limits up to $10 Million
 Additional Insureds
 Employers Practices Liability
 Property (subject to Coastal Wind Exclusions)
 Business Income (subject to Coastal Wind Exclusions)
 Food and Beverage Spoilage
 Equipment Breakdown

Coverage and Limits Available (Maximum Limits)

General Liability:

 $1,000,000 Each Occurrence
 $2,000,000 General Aggregate (other than Products/Completed Ops)
 $2,000,000 Products Completed Operations
 $2,000,000 Personal and Advertising Injury
 $500,000 Damages to Premises Rented to You
 
Liquor Liability (Package or Mono-Line)

 $1,000,000 Each Common Cause
 $2,000,000 Aggregate (per location aggregate is applicable)

 State Restrictions:

•New York: Bronx (certain zip codes)
•Connecticut: New Haven (certain zip codes)
•Minnesota: (certain counties are restricted to $100,000/$300,000 Liquor Liability Limits)

Submission Requirements:
 
 Signed ACORDs
 Three Years Currently Valued Loss Runs
 Supplemental application either Axiom’s or another carrier’s
 Target pricing or expiring premium

Contact Axiom today for all your Fine Dining Restaurant Insurance risks!