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Clermont - Restaurant

Restaurant Insurance

Download our Restaurant Brochure   Download our Restaurant Supplement to ACORD Application


  • We are an established Fine Dining Segment specialist insuring 18 of the top 50 Zagat rated restaurants and 12 of the top 100 Michelin rated restaurants nationwide.

Target Markets

  • Fine-dining
  • White tablecloth or upscale family dining; without dance floor

Risks underwritten generally do not include

  • Bars; taverns; brew pubs or mini breweries; cabarets; cafeterias; carry-outs; catering or banquet halls; concessionaires; diners; drive-ins; fast foods; nightclubs; pizzerias; refreshment stands; sandwich/soup shops; seasonal; self-service.

Coverages Offered*

  • Umbrella up to $10M
  • Hired & Non-Owned Auto Coverage and Valet Parking Operations
  • Commercial Package Policy with Liquor Law Liability Coverage
  • Restaurant Liability Extension Endorsement
  • Money and securities:
    • Inside Premises 
    • Outside Premises 
  • Mechanical Breakdown 
  • Employee Dishonesty 
  • Spoilage 
  • Utility Services - Direct Damage
  • Water, Communication, Power Supply Services 
  • Fine Arts
  • Explosion of Steam, Boilers, Pipes, Engines, Turbines 
  • Personal Effects of Others 
  • Business Income and Extra Expense: 
    • Actual loss sustained
    • Waiting period options – 24, 48 or 72 hours 
    • Off-Premises Utility Interruption 
    • Civil Authority
  • Computer Coverage - Blanket Hardware/Software

Optional Coverages Available

  • Flood
  • Earthquake
  • Ordinance or Law

Restaurant Liability Extension Endorsement (optional)

  • Legal liability for patron's auto while parked on restaurant premises over $500 deductible
  • Lessor of premises and mortgage holder are additional insureds
  • Unintentional discrimination, provided not committed by an owner or executive, and not for employment-related discrimination.

Billing Information

  Applies to both Agency and Direct Bill Options

  Pay Plan A – Full Pay

    3 Pay Plan

  •   40%
  •   30%
  •   30%

    4 Pay Plan

  • 25%
  • 25%
  • 25%
  • 25%

    9 Pay Plan

  • 30%
  • 8.75% (8 installments)


  • NJ Restaurant Association
  • Restaurant Association of Metropolitan Washington
  • Food Industry News (Illinois)
  • Illinois Restaurant Association
  • New York City Hospitality Alliance 

* Products and services are provided by one or more insurance company subsidiaries of W. R. Berkley Corporation. Not all products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued.