Ineligible Operations

• Seasonal restaurants
• Restaurants with 24-hour operations
• Valet parking
• Restaurants that deliver food
• Risks that have limited off-premises catering operations, however, may be eligible.
• Banquet hall operations
• Banquet hall operations are those where parties at the restaurant are responsible for 20% or more of the restaurant revenues.
• Risks with separate meeting rooms where functions contribute less than 20% to the total restaurant receipts may be eligible.
• Restaurants with any habitational exposures
• An owner-occupied apartment on premises, however, will not exclude it from the program.
• Restaurants that offer “happy hours,” have “bouncers,” or maintain a cover charge
• Risks with athletic facilities, playgrounds or amusement exposures
• Risks with firearms on the premises
• Taverns
• Risks with entertainment other than background music such as piano or guitar, etc.
• Risks with delivery
• Converted dwellings