Our Recipe for Protection
At JDA Insurance Group, we recognize that the exposures of the restaurant industry are as unique as your dishes. That’s why we offer industry-specific risk control services to help keep your business safe from kitchen fires, food borne illness, slip and falls, and more. With coverages tailored to meet the needs of restaurants of all types, we can help keep your business and reputation as impressive as the food you serve.
From the family-owned restaurant to the national franchise, we provide coverage for a variety of restaurant types, including:
Family/Fine Dining Restaurant Program
The typical program structure is designed for family and fine dinning restaurants.
- Property coverage available in broad, basic, or special form.
- Liquor Liability Coverage
- Property coverage includes, building contents, business income, equipment
breakdown, outside signs, computer equipment, food spoilage, crime, and more - General Liability coverage rated in seating capacity/revenues includes assault and battery, garage keepers and more
Exceptions
- Restaurants with liquor receipts greater than 50%
- Bars/Taverns, Bottle clubs, nightclubs or private clubs (risks are eligble for our bar/tavern program)
- Risks with playgrounds or playrooms
- Pool halls or billiard parlors
- Most fast-food establishments
Bar & Tavern Program
The typical program structure is designed for bar/taverns with up to 70% total liquor sales.
- Property coverage available in broad, basic, or special form.
- Liquor Liability Coverage
- Property coverage includes, building contents, business income, equipment breakdown, outside signs, computer equipment, food spoilage, crime, and more
- General Liability coverage rated in seating capacity/revenues includes assault and battery, garage keepers and more
Eligible Classes
- Taverns, Local Bars, Sports Bars, Pubs
- 50% to 70% liquor sales
- Light entertainment – max 3 nights a week
Exceptions
- Adult Entertainment
- Bottle clubs, nightclubs or private clubs
- Pool halls or billiard parlors
Entertainment Program
Specialized program for nightclubs, bars, live music clubs, piano bars, comedy clubs, adult entertainment clubs and live music venues.
- General Liability
- Liquor Liability Coverage
- Assault & Battery
- Products & Completed Operations
- Excess Liability up to $5,000,000,000
Target Classes
- Taverns, Local Bars, Sports Bars, Pubs, Lounges
- Nightclubs & Adult Entertainment
- Live Music Venues
- Comedy Clubs