Restaurant Umbrella Insurance

McGowan Program Administrators Restaurant Umbrella policy provides restaurants owners the peace of mind that accompanies having the type of insurance coverage that manages to expect the unexpected. Managing a restaurant risk comes with its fair share of threats. No matter if your risk is a single store or has multi-location and multi-state operations, McGowan can help. In addition, the umbrella coverage also aggregates per location, so restaurant owners and managers need not worry about obtaining multiple overlapping and redundant policies.

Have questions? Contact Emily McKitrick for more information.

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Restaurant Umbrella Application

Restaurant Umbrella Brochure

Product Details

ELIGIBLE CLASSES

McGowan Program Administrators Restaurant Umbrella policy includes limits of $1 million to $10 million. The umbrella policy covers the following eligible classes:

  • Fine dining
  • Casual dining
  • Family-style
  • Fast food
  • Franchises
  • Cafeterias
  • Coffee/tea shops

CARRIER

A.M. Best “A” Rated Carriers / Admitted Paper

Underlying Rating: A- / VI

TERRITORY

All 50 States

PRODUCT/LIMITS

Umbrella: $1MM to $10MM

SPECIAL FEATURES & COVERAGES

  • No Shared Limits – Each Insured Receives its Own Policy & Policy Number
  • Aggregates Per Location

AVAILABLE "FOLLOW FORM" COVERAGES

  • Automobile Liability
  • Employers Liability
  • Employee Benefits Liability
  • Liquor Liability

TO OBTAIN QUOTES

Pricing indications can be provided with the submission of an underlying General Liability quote. The following items are required in order to obtain a bindable quotation:

  1. A thoroughly-completed application;
  2. Three years of currently-valued (generated within the past six months) hard copy, GL carrier generated loss runs.

TO BIND COVERAGE

The following items are required in order to bind coverage:

  1. A written request to bind;
  2. A thoroughly-completed application;
  3. Three years of currently-valued (generated within the past six months) hard copy, GL carrier generated loss runs.
  4. Declarations pages of the underlying GL policy, showing all terms and conditions.

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