Milltown Insurance Group has access to complete insurance program solutions for the restaurant industry including:
- Package program for high-end restaurants with an average entrée price of $15 or higher.
- Package program for family restaurants with full table service.
- Package program for fast casual restaurants that do not provide full table service but are more upscale than traditional fast food.
- Package programs for sports bars, neighborhood bars and taverns.
- Liability program for nightclubs.
- Beer, Wine, Spirits Distributors
- Brewery, Distillery & Winery programs and expertise…and more
Click Here for: Micro-Brewery & Brewpub Insurance Program Overvew
Fine Dining
Availability: Most states.
Eligibility: Fine dining restaurants with average dinner entrée price of $15 or higher.
Program features:
- Unique coverage enhancements designed specifically for restaurants including food-borne contamination, food spoilage, systems breakdown.
- Business interruption coverage provided for off-premises power failure including overhead transmission lines.
- Liquor liability is included in the package.
- Umbrellas are available to accompany our package program.
- Pricing is competitive.
- Policies are issued promptly.
- Rush quotes will be provided as needed.
- Coverage is written on an admitted basis with an A XII carrier.
Family Sit-Down
Availability: Most States
Eligibility: Family Sit-down Restaurants
Program features:
- Liquor liability is included in the package in most states.
- Umbrellas are available to accompany our package program.
- Pricing is competitive.
- Policies are issued promptly.
- Rush quotes will be provided as needed.
- Coverage is written with an “A” carrier.
Fast Casual
A fast casual restaurant is a type of restaurant that does not offer full table service but promises a higher quality of food and atmosphere than a fast food restaurant. It is a relatively new and growing concept to fill the space between fast food and casual dining. The typical cost per meal is in the $8–$15 range (including beverages). This class of restaurant is also referred to as “quick casual” or “limited service”.
Availability: Most States
Eligibility: Restaurants that fit the above profile of a fast casual concept. Traditional fast food restaurant chains are not eligible. Minimum package premium is $5,000.
Program Features:
- Coverage is written on an admitted basis with an A XIII carrier.
- Liquor liability may be included in package.
- Comprehensive coverage forms are used.
- Umbrella and workers’ compensation also available.
Bar/Tavern
Availability: Most States
Eligibility: Neighborhood taverns, Sports Bars, Nightclubs
Program features:
- Assault and Battery Options are available for most risks.
- Pricing is competitive.
- Rush quotes will be provided as needed.
- Coverage is written with admitted and surplus lines markets – rated “A-” or better
Nightclub
Eligibility: Lounges/Martini Bars, Nightclubs with Dancing, Live Music Venues, Sports Bars
Program features:
- Liquor liability is included
- Assault & Battery coverage is included
- Excess coverage is available
- Competitive pricing
- “A-” paper
Liquor liability is included in the package in most states.
Restaurant Special Event Liability & Weather Insurance
MIG also offers a full suite of weather insurance and special event liability solutions for restaurants, bars, wholesalers and producers. We can help you guarantee and maximize special event, key days and holiday revenue with our affordable and customizable solutions. Call us today for more information.
Microbrewery/Craft Brewer / Winery
Available: Most states
Eligible: includes start-ups and new brands
Program includes Property, liability, liquor liablility, workers compensation. Optional coverages include product recall, cyber-liability, automobile, umbrella coverage, bonding and more.
We will help you structure a program for your micro-brewery, brew-pub or winery that will meet your needs and cover your unique operation at the lowest possible cost.