- Lines of coverage: Workers’ Compensation until Bistro has $5MM in Gross Written Premium then we will offer GL, Property, and Auto coverages
- Target business: Restaurant Operators including Multi-Unit Franchisee, Franchisor, Independent Operator/Owner, Fine Dining, Fast Casual, QSR, and Casual Dining
- $200,000 minimum premium, target premium of $200,000 to $3MM
- Historical Loss Ratio of less than 45% for past 3-5 years
- Liquors sales of 50% or less of total sales (dependent on state jurisdiction)
- Minimal entertainment, less than 10% (Dance clubs, Live Entertainment, Establishments with bouncers, Bars and Taverns are excluded)
- Excellent risk management program
- Must pass carrier financial assessment, financials are required to quote
- Meet approved program standards for safety and quality
- 10% or less in deliveries (this excludes third party delivery sales/service)
- We provide market competitive rates for Workers’ Compensation
- NEWLY ADDED: Hotels and Motels