Ideal Accounts and Appetite
This program is ideal for independent insurance agents looking to place restaurant risks of all types and sizes. Whether your client runs a neighborhood pizza shop, a quick-service chain, or a high-end bistro with a liquor license, Demetriou General Agency can help you find the right coverage solution.
Examples of well-suited accounts include:
- Small to mid-sized restaurants with dine-in or takeout service
- Gourmet or fine dining establishments
- Restaurants serving or selling alcoholic beverages (liquor liability required)
- Multi-location operations or franchise concepts
Coverage Highlights and Advantages
Demetriou’s restaurant insurance program offers a comprehensive package of coverages tailored to the real risks in the hospitality sector. Coverage options include:
- Food Spoilage
- Arson Conviction Reward
- Customers' Property Protection
- Premises Boundary Coverage
- Crime Coverages
- Backup of Sewers and Drains
- Contamination Shutdown
- Blanket Coverage Options
- Bodily Injury for Foodborne Illness and Business Interruption
- Employment Practices Liability
- Foodborne Illness Business Income Coverage
- Liquor Liability (mandatory for establishments that serve alcohol)
Clients can also choose between Replacement Cost Coverage or Actual Cash Value, depending on their needs and budget.
Additional Policy Types Offered
In addition to restaurant-specific coverages, Demetriou General Agency can help you place related lines, such as:
- Business Owners Policy (BOP)
- Workers' Compensation
- Commercial Automobile
- Commercial Umbrella
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size and scope of the restaurant operation. Demetriou works with a variety of markets and will help tailor policies based on individual risk characteristics. Accounts are underwritten competitively, with flexibility to meet unique needs.
Territories and Availability
This program is available to agents and brokers placing business in the following states: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont.
Admitted and non-admitted options are available, depending on the carrier and state.
Why Work With Demetriou General Agency?
As a trusted Managing General Agency (MGA), Demetriou General Agency brings deep expertise in restaurant insurance and access to a national network of carriers. Their team understands the operational and liability exposures facing restaurants and works closely with agents to deliver fast, reliable solutions.
If you’re looking for a responsive partner with underwriting flexibility and a strong appetite for food service accounts, Demetriou General Agency is ready to help you succeed.
Frequently Asked Questions
What types of restaurant businesses are eligible for this program?
This program is suitable for a wide range of food service businesses, including quick-service, dine-in, gourmet, and establishments that serve alcohol.
Is liquor liability coverage included?
Yes, liquor liability is required and available for restaurants that serve or sell alcoholic beverages.
Can this program accommodate multi-location restaurant operations?
Yes, the program can be tailored to handle multiple locations under a single policy when appropriate.
What states is this program available in?
It is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
Are both admitted and non-admitted carriers used?
Yes, Demetriou General Agency works with various carriers, offering admitted and non-admitted options depending on the state and risk profile.
Need help placing an account? Connect with a market specialist.