Industry Classes Included in Our Restaurant/Bar Programs
||Brief Business Description of Operations we Cover
||Restaurants with a traditional wait staff often belong in this code unless they can, otherwise, be classified into another code due to unique aspects of their business such the percentage of alcohol sold, catering, entertainment, etc. Traditional restaurants typically have servers who wait on the customer and receive gratuity or tips.
||Fast food restaurant will typically fall under this classification unless state specific rules require an alternate code. These types of restaurants could include standard fast food providers serving hamburgers, tacos, pizza, and sandwiches. Gratuity is generally not expected with fast food.
||Restaurants who receive more than 50% of their revenue from the sale of alcoholic beverages such as beer, wine, or liquor typically belong in the 9084 classification. This class is often used for bars, nightclubs, lounges, taverns, etc.
||Restaurants that are owned or operated in or by hotels will typically fall under class code 9058. For hotels, this code will often includes servers, cooks, kitchen help, bartenders, and managers. It may also include musicians and entertainers.
||Applies in CA, NJ, and OK. May include restaurant or tavern employees located in clubs such as swimming, tennis, and fitness clubs.
||Applies in CA, MA, NJ, OR, and TX. Depending on the state, this code could apply to vending, restaurants, bars, taverns, caterers, dance halls, and hotels.
||Applies to NY only. Includes fast food restaurants.
||Applies to NY only. Includes full service restaurants, buffets, diners, and other establishments providing wait service. May include musicians.
All States except ND, OH, WA, and WY
Pay As You Go Coverage
A Rated Insurance Carriers
New Businesses Accepted
Deductible Plan Options
Lapses in Coverage Accepted
Live Entertainment Included
Risks with Security Limited
More Carriers if Closed by 1AM
Liquor Sales over 50% Approved