Intent & Eligibility:
Small to medium-sized Restaurant, Bar or Tavern exposures with total gross sales less than $1,000,000. Currently this program is only available in Washington. We hope to expand this exclusive program to other states in the near future. Our carrier is A.M. Best rated A+ XV. For a Restaurant, Bar or Tavern that does not fit in this program or that is located in Alaska, Idaho or Oregon, we have other markets we can pursue coverage with.

Available for your use:
Applications:
Acords: GL & Property (required if applicable)
Bar/Restaurant/Tavern Application (mandatory)
Liquor Liability Application (required if applicable)

Additional Interests:
Included at no charge.
Liquor manufacturers or distributors are prohibited as additional insureds.

Underwriting & Rating Considerations:
Property: A credit may be used if the risk has an approved automatic extinguishing system that covers all grease cooking appliances and is regularly serviced. The system must be warranted by attaching IL0415.

Liquor: Maximum limits of $1,000,000 Common Cause/$2,000,000. Aggregate.

Package credits are available.

Prohibited:
Bring your own bottle establishments
Risks on or near a college campus or catering to a college crowd
50% of clientele is 21 to 30 years old
Liquor manufacturers or distributors as additional insureds
Mechanical or amusement rides
Nightclubs or Discos or other similar risks
Non-Owned and/or Hired Auto
Pool Halls or billiard parlors
Risks with history of fights or rowdiness
Risks with more than two reported incidents in the past three years
Risks without a valid liquor license
Risks with drug violations

Program Specific Forms & Endorsements (Mandatory):
In addition to General Guidelines:
CG 2101    Athletic or Sports Participants Exclusion
CG 2144    Limitation of Coverage to Designated Premises
CG 2407    Products Hazards Redefined
GLS-285s  Assault and/or Battery Limited Liability Coverage ($25K each event/$50K agg)

Minimum Premiums:

Property Coverages:		$500
General Liability Coverages:		$750. for $1,000,000 Occurrence $600. for $500,000. Occurrence $500. for $300,000. Occurrence $400. for less than $300,000. Occurrence
Liquor Liability:		$1,000. for $1,000,000. each Common Cause $750. when part of a package (Prop & GL) $750. for $500,000. each Common Cause $600. when part of a package (Prop & GL) $600. for $300,000. each Common Cause $500. when part of a package (Prop & GL) $500. for less than $300,000 $400. when part of a package (Prop & GL)