ELIGIBLE CLASSES OF BUSINESS
"Fine dining restaurant" operators will be defined as
for-profit enterprises, including individuals, proprietorships,
partnerships and corporations, which are dedicated to providing
a fine dining experience to the general public with main emphasis
on purveying meals on the insured premises.
Eligible operators shall include, but may not necessarily be limited
to, the following classes of business:
- Restaurants having an average meal cost of $15.00 or more exclusive
of sales of any alcoholic beverages.
- Restaurants having sales of alcohol less than 30% of total restaurant
- Restaurants who derive no more than 10% of food receipts from
off premises exposures such as catering or sponsorship of special
PROHIBITED CLASSES OF BUSINESS
Any class of business not related to the Fine Dining Restaurant
business including the following:
- Restaurants promoting sales via the use of liquor oriented
promotions such as Happy Hours, Ladies Nights, Twofers, etc.
- Restaurants of frame construction in protection class
9 or 10
- Restaurants with any type of entertainment whatsoever.
Any exceptions to this rule will be made by the Company.
- Restaurants with over 10% of revenues generated by
business pursuits other than restauranting
- Restaurants with over 15% of revenues generated by
banquet sales on premises
- Restaurants on docks or piers or located at a marina
or other waterfront location.
- Restaurants with any delivery service other than that
associated with incidental catering and where drivers are not
direct employees of the restaurant nor vehicles owned by the restaurant
- Restaurants with extensive fleets consisting primarily
of private passenger vehicles.
- Restaurants with any type of electronic or video games
or large screen televisions.
- Restaurants which sell food or condiments manufactured
under their own label either on or off the premises and sold to
the public either on or off the premises.
- Restaurants which sponsor sports or athletic activities
where liquor is sold.
- Restaurants in business less than three years at the
- Restaurants not meeting current NFPA guidelines for
- Restaurants that do not have current contract for servicing
of automatic suppression systems at minimum on a semi annual basis
nor a hood and vent cleaning contract at minimum on a semi annual
basis nor clean filters at least weekly.
- Seasonal Restaurants
- Non-sprinklered frame restaurants in all protection
classes and sprinklered frame restaurants in protection class
7 and above.
Fine Dining Program Applications
Dining Supplemental Application