Eligible Classifications

• Restaurants- With no sale of alcoholic beverages; with table service
• Restaurants- With no sale of alcoholic beverages; without table service with seating
• Restaurants- With no sale of alcoholic beverages; without seating
• Restaurants- With sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants; with table service
• Restaurants- With sale of alcoholic beverages that are 30% or more but less than 75% of the total annual receipts of the restaurant; without dance floor

Merchants Package Plus Restaurant Program has been designed to target well-managed family-style restaurants.

• Risks that meet the following criteria are eligible for this program:
• Risks must have been in business at their current location for at least three (3) years.
• With multiple locations, the main location must have been in business for 3 years.
• Risks may have no more than three (3) locations.
• A maximum of 2 losses is allowed with the condition that what caused the loss must have been corrected.
• The total property values, including Business Interruption and Inland Marine, should be limited to $2,500,000. For risks located in frame buildings, the total values should not exceed $1,000,000 (Protection Class 1-8) or $750,000 (Protection Class-9).
• The risk’s cooking, heating, air conditioning, refrigeration and electrical systems must comply with current NFPA guidelines including a wet chemical fire suppression system.
• The risk must be located in a building that is less than 30 years of age and built for a commercial occupancy, or completely gutted with utilities constructed in accordance with building life/safety codes for restaurants. A restaurant located in a converted dwelling is not eligible.
• Cafeteria style is acceptable.
• Restaurants may have limited take-out exposures.
• Risks must have less than 30% of their total receipts from off-premises catering.
• Restaurants must have liquor receipts that are 35% or less of the total restaurant receipts, and food must be available while the bar is open. Liquor legal liability coverage is required if any liquor is served.
• The risk must have property and liability.
• Risks must be 100% loss free.
• No off-premise catering.
• The construction of the building must be joisted masonry or better. However, frame is acceptable if the building was constructed for restaurant occupancy.
• Protection class 1-8 is acceptable.
• Risk must have been in business for 5 years at the same location.