Fireman’s Fund Insurance Expands Liquor Liability for Upscale Restaurants

Fireman’s Fund Insurance has removed liquor receipt restrictions for upscale restaurants provide a more comprehensive risk management option for the growing number of upscale restaurants that are capitalizing on the demand for high-end, late-night venues that serve wine, cocktails and a limited menu into the early morning hours in a relaxing lounge-type atmosphere with music, limited entertainment or even dancing.

Previously, “restaurants that meet this demand have had to place their insurance in specialty markets due to the increased liquor liability,” said Brian Gerritsen, Fireman’s Fund hospitality product director.

According to the company, its research showed that restaurants with affluent clientele are interested in a full menu of coverage options including non-employment discrimination, communicable disease expense, food spoilage, and data compromise coverage.

The company’s expanded coverage options include:

-Food server tips included in business income – continues payment of reported tip income during a covered shutdown of the restaurant.

-Business access coverage – protects the restaurant’s income should access to the premises be prevented by a covered loss off premises.

-Crisis management coverage – assists the restaurant in protecting its reputation by reimbursing communications or public relations expenses after a covered incident such as an act of violence, food contamination or outbreak of communicable disease.

– Per location liquor liability aggregate – provides increased liability protection for multi-location restaurants by applying the liquor aggregate to each location.

-Wine valuation at menu selling price – protects the investment in procuring and maintaining a wine list boasting rare and vintage wines.

Fireman’s Fund’s loss control program offers liquor training and controls necessary to minimize loss and help prepare restaurant staff to ensure the safety of their guests. Hospitality dedicated risk management consultants are specifically trained and available to consult on these risks.

Casual restaurants are subject to the 50 percent maximum liquor receipt guideline.

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