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Restaurant Package Case Studies.

Posted 9/25/2019

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Distinguished Programs, through its division, ProHost USA, provides the right mix of ingredients for a total insurance solution for restaurants. This includes 30 years of experience; a package policy that provides Property, General Liability, Liquor Liability, Umbrella Liability, and other coverages; a broad risk appetite covering fine dining, family dining, fast casual dining, catering and wine bars; unparalleled service and competitive pricing.

Following is a sample taste of some of the challenges restaurant owners faced in obtaining coverage and the solutions we provided through our Restaurant Package.

THREE-LOCATION WINE BAR

Challenge: A wine bar’s liquor receipts exceeded 50% making it more difficult to secure insurance.
Solution: Our package policy offered $1M/$2M Liquor Liability limits with no assault and battery exclusion or sublimit.
Premium: $52,000

FINE DINING RESTAURANT WITH SIGNIFICANT OFF-PREMISES CATERING OPERATION

Challenge: The off-premises catering operation of a restaurant resulted in additional liability risk for its owner.
Solution: The insured chose our package policy along with a $2M Umbrella policy. The program did not limit coverage to the restaurant premises and included a blanket additional insured endorsement.
Premium: $15,000

NEW VENTURE FAST CASUAL RESTAURANT

Challenge: The owners of a new restaurant had to clear many hurdles prior to opening. They needed to find a one-stop insurance shop that would provide specialized restaurant coverages.
Solution: Through our package policy we offered a comprehensive program including coverage for Cyber and Employment Practices Liability, plus a $1M Umbrella policy for added liability protection. Knowing that their program was placed with a company 100% restaurant-focused provided the insured with peace of mind.
Premium: $9,000

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