PBC has over 20 years of experience in handling insurance programs for eating and drinking establishments, so we know the special exposures of this industry. We have been a consistent, reliable source for producers through several "hard" and "soft" markets. PBC currently provides coverage for over 3,000 locations.

We use only strong, stable carriers who give us binding authority, which means fast turn around for our producers. PBC employs a service team, including experienced in-house underwriters, dedicated exclusively to our restaurant and tavern program business. 

Coverages Offered:

• All-Risk Property Insurance

• Boiler and Machinery

• Commercial General Liability (including Liquor Liability)

• $1 million, $5 million or $10 million Umbrella Liability (including Liquor Liability)

• Crime Insurance

• Checkroom Liability

• Business Interruption (including Extra Expense)

• Food spoilage

• Off Premises Utility

• Hired and Non-Owned Auto Liability

• Employee Benefits Liability

Territory:

Eligible in NY / NJ / PA

Target Business:

Small neighborhood pubs, delis, family restaurants and “white tablecloth” dining establishments with less than $2 million in total sales

Minimum Premium:

• $1,000

Not Eligible:

• Liquor Sales not to exceed 25%

• Fast Food Restaurants or Franchises

• Restaurants with dance floors, bands, dinner theater, doormen /bouncers