AmTrust BOP Manual - AmTrust North America

RESTAURANTS ELIGIBILITY – (Appendix A lists specific Class Codes)
ISO Public Protection Classes – 1-7 are eligible, 8-10 must be submitted for approval
Number of locations – more than 4 locations must be submitted
Coastal Locations – within 25 miles of the Eastern Seaboard or 75 miles of the Gulf of Mexico are
ineligible
Years in Business – must have been in business for more than 1 year and any risks in business
less than 3 years must be submitted for approval
Losses – Risks with more than 3 losses, any weather loss over $25,000, or any non-weather loss
over $10,000 in the past 3 years must be submitted
Liquor Liability is available on selected class codes as long as there has not been a liquor license
violation within the last three years
Limited Cooking and Fast Food Classes, excluding Burger King, McDonald’s, Rally’s, Taco Bell,
Wendy’s
Fine and Casual Dining Classes are available in approved States
Square Footage – 10,000 maximum per building
Annual Gross Revenue – $5,000,000 maximum per location
Total Insured Value (TIV) – $5,000,000 total of buildings and personal property per location
Building Age – Greater than 30 years without updates to the heating, roof, electrical and plumbing
systems are ineligible.
Construction – Frame Construction requires sprinklers, otherwise all ISO construction types
Height – No more than 2 stories
Ineligible:
‣ Alcoholic beverages brought onto premises by customers (BYOB arrangements)
‣ Bars with primary business of alcohol sales and very limited food items
‣ Burger King, McDonald’s, Rally’s, Taco Bell, Wendy’s
‣ Dance floors or regular live entertainment beyond karaoke, DJs or one-person performers
‣ Hired and non-owned auto coverage when employees use personal vehicles for delivery
‣ Liquor sale promotions “Happy Hours” after 7:30pm must be submitted to underwriting
‣ Liquor sales over 25% of total sales for all Limited Cooking and Fast Food Class Codes
‣ Liquor sales over the total sales percentages specified by the Fine and Casual Dining Class
Codes listed in the quoting system or in the Class Codes in Appendix A of this Guide
‣ Maximum 10% of sales from off-site catering
‣ Playground (inside or outside) including sports courts, pools or mechanical amusement
devises including bull rides
‣ Seasonal operations or those open 24 hours
‣ Seating capacity over 300
Ineligible Related to Cooking:
‣ Cooking appliances that emit smoke or grease-laden vapors that are NOT covered by an
automatic extinguishing system meeting UL300 criteria of NFPA Standard #96, or that are
NOT inspected under a current maintenance contract at least every quarter
‣ Open broiling or solid fuel cooking with wood, charcoal or mesquite
AmTrust Financial Services, Inc. Edition Date 6-24-2011 Back to the Contents Page Page 18