Ideal Accounts and Appetite
This program is built for a wide range of eating and drinking establishments, including those serving alcohol. From small coffeehouses to full-service restaurants and banquet halls, Axiom is equipped to handle most types of dining risks. Eligible classes include:
- Eating establishments with or without alcohol
- Banquet halls, buffet and smorgasbord operations
- Bistros, brasseries, cafés, and cafeterias
- Concession stands and coffeehouses
- Casual dining and caterers
- Diners, fast casual, and family-style restaurants
- Fine dining and full-service restaurants
- Limited service, pubs, quick service (fast food)
- Sandwich bars and similar food service businesses
Whether your client is a startup café or a multi-location restaurant group with liquor sales, Axiom has the underwriting expertise to craft a solution.
Coverage Highlights and Advantages
Restaurant operators face numerous exposures—ranging from general liability to premises risks and liquor liability. Axiom’s program addresses them with broad coverage options and strong limits:
- General Liability: $1,000,000 per occurrence / $3,000,000 general aggregate
- Products/Completed Operations: $3,000,000
- Personal and Advertising Injury: $1,000,000
- Damage to Premises Rented to You: $1,000,000
- Liquor Liability: $1,000,000 each common cause / $2,000,000 aggregate (per location aggregate where applicable)
- Umbrella / Excess Coverage: Limits up to $10 million
Coverage is available on a package or mono-line basis, giving you flexibility to address the specific insurance needs of each client.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on class, location, and size of the operation. Axiom works with agents to assess risk factors including alcohol sales, hours of operation, claims history, and more. Their team excels in underwriting both straightforward and complex restaurant accounts.
Territories and Availability
This program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, IL, and GA. Axiom writes on a non-admitted basis in all eligible states, allowing more flexible underwriting and tailored solutions.
Why Work With Axiom Insurance Managers Agency, LLC?
Axiom brings deep industry insight and a hands-on underwriting approach to restaurant insurance. Their access to a variety of carriers and commitment to customized solutions make them a valuable partner for agents looking to write restaurant business. Whether you're placing a neighborhood diner or an upscale wine bar, Axiom can help you secure the right coverage efficiently and competitively.
Let Axiom cover all your Restaurant Insurance risks today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program targets a wide range of restaurant classes—from fast food and cafés to fine dining and banquet halls. Accounts with or without liquor service are eligible.
Is liquor liability available as a standalone policy?
Yes, Axiom offers liquor liability coverage either as part of a package or on a mono-line basis, depending on the account’s needs.
What is the maximum umbrella or excess coverage limit offered?
Axiom can provide umbrella or excess liability limits up to $10 million.
Are there geographic restrictions for this program?
The program is available in most U.S. states, including CA, TX, FL, IL, and others. Coverage is offered on a non-admitted basis.
What factors impact minimum premiums?
Minimum premiums vary and depend on factors like type of restaurant, presence of alcohol service, location, and loss history.
Need help placing an account? Connect with a market specialist.