Restaurant Insurance Tailored to Your Needs

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Find Your Business Classification

Eligible Classes of Business

  • Quick Service / Commercial Cooking

  • Quick Service / Limited Cooking

  • Full Service / Casual Dining Restaurants

  • Full Service / Fine Dining Restaurants

  • Wine Bars

Full Service / Fine Dining Restaurants

Service Model: Full table service provided by highly trained waitstaff; patrons are seated, order from a server, and pay after their meal.

Atmosphere: Formal and elegant, emphasizing quality ingredients and meticulous food preparation, with a higher-priced menu.

Staff Supervision: Maitre d' supervision of waitstaff, and chef supervision of food preparation and kitchen operations.

Customer Experience: Average customer dining time of two hours or more, particularly for dinner.

Cooking Operations: Includes cooking methods that produce grease-laden vapors, such as grilling, enclosed broiling, deep frying, roasting, and barbecuing, requiring a commercial exhaust system.

Typical Businesses: Fine dining restaurants (e.g., Del Frisco's, Fogo de Chao, Ruth's Chris, The Capital Grille).

Full Service / Casual Dining Restaurants

Service Model: Full table service provided; patrons are seated, order from a server, and pay after their meal.

Atmosphere: Casual and friendly, with a relaxed ambiance and affordable pricing.

Cooking Operations: Includes cooking methods that produce grease-laden vapors, such as grilling, enclosed broiling, deep frying, roasting, and barbecuing, requiring a commercial exhaust system.

Typical Businesses: Family-style restaurants, diners, and bistros (e.g., Applebee's, Cheesecake Factory, Chili's, Denny's, Waffle House, Outback Steakhouse, Olive Garden).

Quick Service / Limited Cooking

Service Model: Customers order and pay at a counter, then collect their food when called.

Cooking Operations: Limited cooking using appliances that do not produce smoke or grease-laden vapors requiring a commercial exhaust system. Examples include electric sandwich grills, toasters, warming ovens, roller warmers, infrared snack warmers, microwave ovens, domestic ranges, domestic ovens, and pizza ovens.

Prohibited Cooking Methods: Grilling, open broiling, deep frying, roasting, barbecuing, solid fuel cooking (mesquite, charcoal, hardwood), or any other process that produces grease-laden vapors requiring an exhaust system.

Typical Businesses: Coffee bars, donut shops, salad bars, ice cream shops, sandwich shops, and pizza shops utilizing limited cooking methods (e.g., Starbucks, Subway, Dunkin Donuts, Panera Bread, Crumbl Cookies).

Refer to Quick Service - Commercial Cooking for establishments with grills or fryers.

Quick Service / Commercial Cooking

Service Model: Customers order and pay at a counter, then collect their food when called.

Cooking Operations: Includes cooking methods that produce grease-laden vapors, such as grilling, deep frying, and roasting, requiring a commercial exhaust system.

Typical Businesses: Fast-food restaurants, including hamburger joints, fried chicken outlets, sandwich shops, and pizza places (e.g., McDonald's, Taco Bell, Chick-Fil-A, Chipotle, Panda Express).

Refer to Quick Service - Limited Cooking for establishments without grills or fryers.

Wine Bars

Service and Atmosphere: May include table service or self-service. Relaxed atmosphere with an extensive wine list offered by the bottle or glass.

Food Preparation: Limited cooking using appliances that do not produce smoke or grease-laden vapors requiring a commercial exhaust system. Examples include electric sandwich grills, toasters, warming ovens, roller warmers, infrared snack warmers, microwave ovens, domestic ranges, domestic ovens, and pizza ovens.

Prohibited Cooking Methods: Grilling, open broiling, deep frying, roasting, barbecuing, solid fuel cooking (mesquite, charcoal, hardwood), or any other process that produces grease-laden vapors requiring an exhaust system.

Refer to either Fine Dining or Casual Dining if any of these prohibited appliances are present.