Restaurant and Deli Insurance

Ideal Accounts and Appetite

This program is intended for small to mid-sized restaurants and delis where alcohol sales are no more than 30% of gross revenue. Target classes include:

• Dine-in restaurants
• Take-out, fast-casual, and counter-service eateries
• Specialty delis and sandwich shops
• Small franchise food service locations

Preferred accounts have a clean loss history, solid operational controls, and no major prior claims. Heavy bar operations, entertainment venues, or nightclubs are typically outside the program’s appetite.

Coverage Highlights and Advantages

The Distel Group’s Restaurant and Deli Insurance program packages common food service exposures into broad, market-appropriate coverages so you can place accounts efficiently and with confidence.

Crime Coverage Options:

• Inside the Premises – Theft of Money and Securities
• Inside the Premises – Robbery or Safe Burglary of Other Property
• Outside the Premises

Commercial General Liability (CGL):

• Primary limits available up to $3,000,000 occurrence/aggregate
• $5,000 medical payments — included
• Liquor liability available when alcohol sales are within the program threshold
• Additional insureds provided at no extra cost
• Excess/umbrella limits available up to $25,000,000
• No deductible required on CGL

Property Coverage:

• Building and Business Personal Property
• Business Income and Extra Expense
• Choice of Basic, Broad, or Special Form
• Replacement Cost or ACV valuation options
• Equipment Breakdown and Food Spoilage coverages
• Inland Marine, Accounts Receivable, Computer Equipment
• Valuable Papers and Outside Signs

Underwriting Notes and Minimum Premiums

The minimum premium for this program starts at $750. Underwriting emphasizes practical risk management and account history; The Distel Group can consider accounts with unique property or operational characteristics as long as they fit within the stated appetite.

Territories and Availability

This program is available in the following New England states:

• Connecticut (CT)
• Maine (ME)
• Massachusetts (MA)
• New Hampshire (NH)
• Rhode Island (RI)
• Vermont (VT)

Most markets are written on an admitted basis, depending on the risk and carrier availability.

Why Work With The Distel Group?

As a Managing General Agency and Excess & Surplus Lines broker, The Distel Group gives agents access to multiple carriers and markets that understand food service risks. Their underwriting team focuses on practical, speed-to-bind service, informed placement for liquor exposures, and flexible consideration for accounts with specialized property or spoilage needs.

Example scenarios you can place through this program:

• A 40-seat neighborhood dine-in restaurant with limited bar service (alcohol under 30% of sales) seeking a combined property and CGL package with food spoilage coverage.
• A fast-casual sandwich shop with take-out revenue, POS equipment, and $1M/$3M liability limits that needs crime and business income protection.

Call The Distel Group today at 1-800-842-1473 for help placing your restaurant and deli accounts or connect with a market specialist.

Frequently Asked Questions

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