Fine Dining Restaurant Insurance

Ideal Accounts and Appetite

This program targets fine dining establishments that maintain elevated food and service standards and operate in a controlled environment. Typical classes we consider include:

• Fine dining restaurants
• White-tablecloth establishments
• Steakhouses

Axiom will consider locations serving up to 65% liquor by revenue when a curated wine list and responsible alcohol controls are in place. Limited live entertainment such as acoustic acts, jazz trios, or similar performances is allowed up to twice per week with appropriate controls.

Example fits: you might have a high-end steakhouse with valet parking and occasional acoustic music or a boutique bistro with a prominent sommelier program. With documented controls and standard risk management practices, these accounts are typically well-aligned with Axiom’s appetite.

Coverage Highlights and Advantages

Axiom’s program combines broad liability limits with hospitality-specific options to address common exposures in fine dining operations.

General Liability

• $1,000,000 Each Occurrence
• $2,000,000 General Aggregate (excluding Products/Completed Operations)
• $2,000,000 Products/Completed Operations
• $2,000,000 Personal & Advertising Injury
• $500,000 Damage to Premises Rented to You

Liquor Liability (Package or Mono-Line)

• $1,000,000 Each Common Cause
• $2,000,000 Aggregate (per-location aggregate applies)

Optional Coverages

• Assault & Battery
• Defense Outside the Limit of Liability
• Combined Single Limit
• $1,000,000 Hired & Non-Owned Auto Liability
• Valet Parking coverage
• $5,000 Medical Payments (fine dining only)
• Umbrella/Excess up to $10 million
• Additional Insureds
• Employment Practices Liability
• Property and Business Income (subject to coastal wind exclusions)
• Food & Beverage Spoilage
• Equipment Breakdown

Underwriting Notes and Minimum Premiums

To expedite placement, submissions should include:

• Signed ACORD applications
• Three years of currently valued loss runs
• A completed supplemental application (Axiom’s or another carrier’s)
• Target pricing or expiring premium

Minimum premiums vary by account characteristics and location. Contact Axiom for indicative pricing based on the client’s operations, revenues, and exposures.

Territories and Availability

The program is offered on a non-admitted basis and is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Some state or regional restrictions apply:

• New York – certain Bronx zip codes are restricted
• Connecticut – certain New Haven zip codes are restricted
• Minnesota – certain counties are limited to $100,000/$300,000 liquor liability

Why Work With Axiom Insurance Managers Agency, LLC

Axiom is a program administrator with deep hospitality underwriting experience and access to multiple markets that understand fine dining risks. Agents benefit from responsive service, flexible terms, and an underwriter who recognizes the operational nuances of upscale restaurants. Use Axiom to place accounts that require specialty appetite, tailored liquor and liability solutions, and optional coverages such as valet and food spoilage.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.