Ideal Accounts and Appetite
This program is designed for independent agents and brokers looking to place food-service risks across a wide spectrum of operations. Demetriou General Agency works with a major national carrier to provide coverage solutions for businesses that include quick-service counters, neighborhood eateries, full-service restaurants, and fine-dining establishments with liquor exposure.
Examples of well-suited accounts include:
- Small to mid-sized restaurants offering dine-in or takeout service
- Gourmet or fine-dining establishments with higher-value equipment and contents
- Restaurants that serve or sell alcoholic beverages (liquor liability required)
- Multi-location operations or franchise concepts
Coverage Highlights and Advantages
Demetriou’s Restaurant Insurance program bundles common and restaurant-specific coverages into a flexible package so you can match protections to each insured’s exposures. 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)
Limits and endorsements can be tailored to client needs. Clients may select Replacement Cost or Actual Cash Value for property coverage based on budget and risk tolerance.
Additional Policy Types Offered
Demetriou can also help place complementary lines to create a complete program for restaurant clients:
- Business Owners Policy (BOP)
- Workers' Compensation
- Commercial Automobile
- Commercial Umbrella
Underwriting Notes and Minimum Premiums
Underwriting evaluates construction, protection, food-preparation exposures, alcohol service, and loss history. Minimum premiums vary by account size and state; Demetriou works with multiple markets to find competitive terms and will guide you on appropriate limits and deductibles for each risk.
Territories and Availability
The program is available to agents placing business in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Both admitted and non-admitted options are available depending on the carrier and the state.
Why Work With Demetriou General Agency?
As a specialized Managing General Agency, Demetriou General Agency combines hospitality-focused underwriting with access to a national carrier network. Their team moves quickly on submissions, offers underwriting flexibility for common restaurant exposures, and helps you assemble multi-line placements when needed.
Typical scenarios where this program performs well:
- You have a single-location bistro that needs food spoilage, liquor liability, and business interruption coverage with competitive property limits.
- You represent a regional quick-service concept expanding to multiple locations that requires a single, consistent program and options for blanket coverages.
If you need help placing an account or want eligibility guidance, use the Connect with a market specialist link in the FAQ section below to start a submission.
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.