Brokers, Restaurant Owners and Managers can rest easy knowing their best interests are being protected when they “Think McGowan.”
McGowan Program Administrators offers insurance for restaurants.
The insurance policy covers the following eligible classes:
ELIGIBLE CLASSES
- Restaurants
- Fine Dining
- Casual Dining
- Fast Casual
- Private Dining Clubs
- Gastro Pubs
- Neighborhood Grille
- Fast Food
- Pizza Shops
- Take-out Restaurants
- Delicatessens & Sandwich Shops
- Coffee / Donut Shops
- Additional Eating Establishment Classes Available
INELIGIBLE CLASSES
- Adult Entertainment
- Social Clubs
- Restaurants With Dance Floors
- Catering Halls
Product Overview
PRODUCTS/LIMITS
- General Liability: $1MM/$2MM
- Liquor Liability: $1MM/$2MM
- Property: Up to $25MM TIV Available
TERRITORY
- All 50 States
CARRIER
- A.M. Best “A” Rated, or better, XV Carriers / Admitted Paper
COVERAGES
- Property
- Inland Marine
- Crime
- Fidelity
- Restaurant Property Enhancement Endorsement
- Equipment Breakdown
- Spoilage
- General Liability
- General Liability Extended Coverages
- Employee Benefits
- Liquor Liability
- Hired Non-Owned Auto (not available with delivery exposure)
- Valet Coverage (Customer Auto Property Damage Coverage)
Partnering with McGowan
Most lawsuits filed against hospitality risks stem from food-related issues and managers need to know their stores and assets are safeguarded in the event of an accident. Brokers who partner with McGowan Program Administrators Restaurant Insurance policy can find the necessary coverage for any food enterprise, from restaurants to gastro pubs. By utilizing the “Power of the Pen,” McGowan bundles together unique and distinctive insurance policies.
Download: Restaurant Insurance Brochure
Restaurant Owners Package Supplemental Questionnaire
Download: Restaurant Supplemental Questionnaire
Download: BOP Supplemental Questionnaire (for eligible BOP classes only)
Download: Restaurant Multiple Locations Statement of Values
To Obtain Quotes
The following information is required to obtain a quote for the Restaurant Insurance Program.
- Fully completed Acord Application
- Fully completed Restaurant Supplemental Questionnaire
- Three years of currently-valued (generated within the past six months) hard copy loss information
To Bind Coverage
The following items are required in order to bind coverage:
- A written request to bind on or before the effective date
- Fully completed Acord Application
- Fully completed Restaurant Supplemental Questionnaire
- Three years of currently-valued (generated within the past six months) hard copy loss information
A complete submission can be emailed to: restaurantsubmission@mcgowanprograms.com
