LIBERTY

Restaurant with delivery operation done by the staff is out of Liberty appetite. Writes religious organizations. Require that restaurants be in business for at least 3 years, regardless of prior ownership experience. LIABILITY: No 24 hours, Limited on NY.

No losses over the last 3 years

CUMBERLAND

Premier

24 hrs exposure - ineligible

3 to 5 year history must meet acceptable allowable loss ratio

TRAVELERS

Restaurant Premier

PROPERTY: total cannot exceed 1.5mln. LIABILITY: Up to 25 mln umbrella 24 hrs exposure - ineligible

3 to 5 year history must meet acceptable allowable loss ratio

HARTFORD

Stretch plus - adjust acordingly

PROPERTY: If Frame total must not exceed at 500k without sprikler. If JM: total may not exceed 1mln without sprikler. FR and MNC don't require sprikler system. NO 24 hours risks LIABILITY: No 24 hours, Banquet Halls are not eligible.

3 to 5 year history must meet acceptable allowable loss ratio

GUARD

Large accounts usually need UW review. LIABILITY: They do 24 hours

3 to 5 year history must meet acceptable allowable loss ratio

UTICA

Always select Appetizer and not Maximizer

PROPERTY: total can be up to 1.5 Mln. Premium cannot exceed 10k, If there is 1 loss it will require UW review. LIABILITY 24 hr is acceptable

"No more than 2 losses per location in the past 3 years, and the full payment or reserve amount for each loss must be less than $20,000 "

US ASSURE

1 time extension, new construction, over 2.5mln in property needs approval

AMTRUST

Silver Enhancement Endorsement

PROPERTY: total up to 5mln. Revenue cannot be over 2.5mln per location or it will need UW review. Up to 4 locations. Premium above 20k will need UW review. Over 5,000 sqf may be ineligible. Habitational on LRO acceptable if fully sprinklered. LIABILITY: No 24 hr on BOP but maybee on WC

3 to 5 year history must meet acceptable allowable loss ratio

BERKLEY MGT PROTECTION

They ony do EPLI, Crime, Fiduaciary Liab, Directors and Oficers. EPLI: FLSA is included under wage and hour 100k. Full prior acts is automatically included.

FMI

PROPERTY: AUTHORITY UP TO 1.5MLN but can write up to 2mln. No habitational. Up to 25% catering. NO 24 hours (11pm). Seating capacity 120.

ATTUNE

PROPERTY: No requirement. Up to 10k sqf. Up to 10mln in sales per account (5 per location). Up to 3 stories in height. No more than 3 claims in the past 5 years. Cannot close after 1am. Up to 20% catering

3 years no losses

NAT/GEN