Advanced E & S Group specializes in a wide range of programs specifically targeted toward insureds with challenging exposures.

Our flexible restaurant program includes property general liability, liquor, crime, equipment breakdown and garagekeepers. The typical program structure is designed for family and fine dinning restaurants.

Primary General Liability

Coverage is provided on an occurrence basis

Program Parameters

• Minimum premium of $1,000 and minimum property deductible of $1,000
• General Liability is rated on public area
• Policy forms available include ISO on an occurrence basis
• Primary General Liability limits available up to $1MM/$2MM with umbrella binding authority up to $5MM
• Coverage is provide on an admitted or non-admitted basis
• Property in-house binding authority with limits up to $15 million per location

Primary Property

Property can be written on a mono-line basis

• Law & Ordinance coverage available
• Policy form broader than ISO Special form
• Minimum deductible of $1,000
• Exclude or include wind coverage
• In house binding authority

Target Classes

We will consider submissions on all risks classifications EXCEPT:

• Restaurants with liquor receipts greater than 50%*
• Bottle clubs, nightclubs or private clubs*
• Risks with playgrounds or playrooms
• Pool halls or billiard parlors*
• Most fast-food establishments

*risks are eligible for our bar/tavern/nightclub program