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
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 events.
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
- Restaurants on docks or piers or located at a marina or other waterfront
- 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
- Restaurants with any type of electronic or video games or large screen
- 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
- Restaurants in business less than three years at the same location
- Restaurants not meeting current NFPA guidelines for life safety
- 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.