At Coterie, we understand the unique challenges faced by restaurants, and we are here to help you offer the best possible coverage to your clients. For us, a restaurant is a place that primarily prepares and serves food for consumption, either on the premises or for takeout. Alcohol sales must not be the primary source of income and must make up less than 50% of total receipts. On the other hand, establishments such as bars, taverns, and pubs are classified as drinking establishments, even if they also serve food.
As an insurance professional, you know that restaurant owners face a variety of risks every day. That’s why we offer a comprehensive Businessowners Policy (BOP) that combines property and general liability coverage into a single policy. This can be a more cost-effective option compared to purchasing separate policies. Additionally, we offer add-on coverages such as liquor liability, restaurant enhancement endorsement, and equipment breakdown coverage, among others. Our signature Silver, Gold, and Platinum enhancement endorsements are also available to help protect your client’s business from financial loss.
What types of restaurant insurance coverage does Coterie offer?
- Bakery cafes, Cookie stores, Delicatessens, Donut, and bagel shops
- Buffets and cafeterias
- Cafes, diners, bistros
- Caterers and catering services
- Coffee shops and snack bars
- Family-style restaurants
- Fast food restaurants
- Food concession operators and Food stands or kiosks
- Food service contractors – cafeteria, industrial or institutional
- Full-service and Limited-service restaurants
- Grills
- Ice cream, frozen yogurt, or custard stores
- Juice bars and smoothie stores
- Mobile food trucks and lunch wagons (coverage limitations apply)
- Pizza parlors and pizzerias (not eligible for hired/non-owned auto liability)
- Pretzel shops
- Sandwich and sub shops
- Steak houses
Coterie does not offer insurance for these establishments:
- Any risk where one or more of the following apply:
- Alcoholic beverage sales exceed 50% of total receipts
- Live entertainment
- Dance floor of any size
- Airline food service contractors
- Banquet hall catering staff
- Bars or taverns
- Breweries or Distilleries
- Cabarets
- Dance clubs, Dance halls, Nightclubs, or Lounges
- Discotheques
- Drinking places
- Hookah bars or Oxygen bars
- Sports bars or Tap rooms
- Wine bars or Wineries
By partnering with Coterie, you can offer your clients the protection they need to recover from unexpected events and get back to business as usual. Do you want to learn more about the depth of Coterie’s appetite? We’re here to serve up small business quotes quickly so you can focus on building relationships.
