Restaurant Insurance Program

AmTrust North America provides coverage tailored to a variety of establishments meeting the commercial lines and workers’ compensation insurance needs of restaurateurs. The AmTrust Restaurant Insurance Program exceeds standard coverage levels and is available to both single and chain restaurants.

Restaurant Coverage Enhancements Include:
  • Property and Liability enhancement endorsements
  • Selling price for stock including fine wines/liquors
  • Food borne contamination
  • Spoilage
  • Peak season
  • Umbrella limits available to include or exclude Liquor Liability

Restaurant Business Insurance Preferred Classes

The AmTrust Restaurant Insurance Program is applicable to both single and chain restaurants meeting the following eligibility:

Family-Style and Fine Dining
  • $15 average entrée price
  • 25-45% liquor sales, primarily wine and liquor, with limited beer sales
  • Small bar area (less than 15-person capacity)
  • Risks in same location for 5 years
  • Buildings less than 15 years old
  • Risks that are tenants in strip centers
Fast Food
  • Deli
  • Café
  • Pizza, no hired non-owned auto
Mobile Gourmet Food Vendors
  • Mobile food vending truck, van or step-van under 30,000 GVW
  • Vehicles must be inspected by the local Department of Health
  • In business for at least one year or have at least three years industry experience

Applications