• Restaurant Liability

    Commercial Property   Commercial General Liability   Liquor Liability
  • Are you filling this out on behalf your client?*
  • I am a(n)
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  • Select the Lines of Business to Quote*
  • Does the establishment feature adult/exotic dancing?*
  • Is dancing permitted?*
  • Are there tables?*
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    • Is there table service?*
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    • Is the establishment located within a food court with no responsibility for the seating area?*
    • Is the establishment open 24 hours?*
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    • Is the establishment primarily open for banquets, receptions, or private affairs?*
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    • Is the average entrèe price* greater than $20 (*Including the price of one side dish if side dishes are charged separately); and is the average wine price greater than $30 per bottle; and does the number of bottles on the wine list exceed 10; and is the last dinner seating is 10:00PM or earlier?*
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    • Is the establishment primarily a non-profit Private, Fraternal, or Social Club?*
    • Are same-day memberships available; or are members permitted to bring more than 3 guests per day (excluding banquet activities and immediate family members)?*
    • Describe the establishment*
    • Are bouncers, security or doorpersons ever employed?*
    • Select the Quote Term*
    • Is a United States Liability Insurance Group company the expiring carrier? (United States Liability Insurance Co., Mt. Vernon Fire Insurance Co., U.S. Underwriters Co. or Mt. Vernon Specialty Insurance Co.)*
    • Mailing same*
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    • Property 
    • Requested Cause of Loss*
    • Requested Valuation*
    • What type of plumbing is in the building?*
    • Is the building protected by an operational sprinkler system covering 100 percent of the premises?*
    • Is the establishment the sole occupant of the building?*
    • Are there grills, deep fat frying equipment or woks on the premises?*
    • What type of extinguishing system is functioning and operational?*
    • Commercial General Liability 
    • Are there any mechanical riding devices on premises?*
    • Are bouncers, security or doorpersons ever employed?*
    • Liquor Coverages  
    • Are facilities available for banquets, receptions or private affairs?*
    • Does the establishment cease the sale of alcohol daily?*
    • Are all alcohol-serving employees certified in a formal alcohol training course not mandated by the state?*
    • Does the establishment utilize an identification scanner on all patrons, regardless of age?*
    • Does the establishment permit "BYOB" (bring your own bottle)?*
    • Does the establishment: have a wait staff that actively monitors all alcohol consumption; limit the type of alcohol brought on premises to beer and wine; request a valid ID from all patrons; and have a maximum occupancy of less than 250?*
    • Is alcohol ever sold or served away from the premises?*
    • Potential Exposures 
    • Add Lessor of Leased Equipment as an Additional Insured?*
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    • Add Manager or Lessor of the Premises as an Additional Insured?*
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    • Does the establishment, as the building owner, lease any apartments on the premises?*
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    • Is liquor or wine sold for off-premises consumption?*
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    • Is beer sold for off-premises consumption?*
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    • Does the establishment, as the building owner, lease any portion of the building to commercial tenants?*
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    • Does the establishment provide any off-premises catering?*
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    • Are there any gaming machines on the premises?*
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    • Add "Waiver of Transfer of Rights of Recovery Against Others to Us"?*
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    • Liquor Coverages

    • Add Additional Insured - Designated Person?*
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    • Add Additional Insured - Grantor of Franchise?*
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    • Add Additional Insured - Liquor License Holder? (Not automatically included on a Basic Coverage option)*
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    • Add Additional Insured - Manager or Lessor of Premises?*

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    • Is there a retail/takeout sales exposure to alcohol that is consumed off premises?*
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    • Does the establishment cease the sale of alcohol daily?*
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    • Are all alcohol-serving employees certified in a formal alcohol training course not mandated by the state?*
    • Does the establishment utilize an identification scanner on all patrons, regardless of age?*
    • Does the establishment attract a predominantly youthful clientele ranging from 18 to 25 years of age (local provincial minimum drinking age applies)?*
    • Does the establishment attract a predominantly youthful clientele ranging from 21-25 years of age?*
    • Is alcohol ever sold or served away from the premises?*
    • Should be Empty: