Restaurant Insurance | E&S Coverage

Features

Up to $1M or $2M Premises and Operations

Broad eligible class list

Up to 50% liquor sales

Enhanced CAT Property Coverage-improved Wind and Hail terms, conditions, and/or deductibles

Available in all states except ID, HI, and LA

Why Blitz

Why insure with Blitz for Restaurant and food service businesses?

Blitz provides quick access to a curated suite of commercial E&S products built for real world business needs. All written on Sierra Specialty A-XV (Excellent) paper.

What makes Blitz different than other carriers for Restaurant businesses?

The Blitz E&S program covers risks other carriers won’t including liquor sales up to 50%, valet parking, a wide variety of classes and entertainments, and a broad geographic reach.

Why do agents and brokers choose Blitz Insurance for Restaurant accounts?

At Blitz, speed meets service. Our digital platform is backed by dedicated experts available to support you through the entire policy lifecycle.

Restaurant

Coverage Benefits

Up to $1M or $2M Premises & Operations

Liquor Liability Coverage

Restaurant Services E&O

Valet Parking

Property Coverage including: Building, Tenant Improvements, Business Income with Extra Expense, and customizable property endorsement

Enhanced CAT Property Coverage: Improved Wind and Hail terms, conditions, and/or deductibles

Available in all states except ID, HI, and LA

Appetite Profile

Payroll up to $3M

Sales up to $15M across all locations

Up to 50% liquor sales

Up to $5M in total insured value per location

Restaurant Property Extension

Health Department Shutdown: Business income
Health Department Shutdown: Cleaning, medical, replacement
Fine arts
Kitchen fire equipment accidental discharge

Monoline GL

Minimum Premiums

Starting at

$350

+ taxes & fees

Eligible Restaurant Types

Barbeque (Solid fuels okay)
Entertainment (live music, dancing, comedy, arcades, and pool tables)
Casual/Family dining
Caterers
Coffee Shops
Pizza (wood-fired okay)
Counter Service
Sandwich Shops
Drive Through
Fast Food (No large franchises/chains)
Fine dining
Food trucks (GL Only)

Ineligible Property Occupancy Types Include

Large franchises or chains
Athletic activities
Nightclubs, cabarets, and comedy clubs
Country clubs/golf courses
Establishments open between midnight and 5:00 AM
Beer or wine production

About Blitz

Blitz is a technology-led insurance company that brings the $100B E&S market into the next generation. Focusing on small commercial E&S property & casualty risks, Blitz’s fast and simple end-to-end technology forward underwriting platform displaces the lengthy, manual insurance-buying processes that have frustrated both brokers and business customers alike.

The insurance products described on this website are offered by non-admitted insurers that are not licensed by the State of California or State of New York. These insurers are not subject to the financial solvency regulation and enforcement that apply to California and New York-licensed insurers. Please consult with a licensed surplus line broker for further details.

Blitz Insurance transacts surplus lines insurance in California through Blitz Insurance Agency, LLC, a licensed surplus lines broker, CA Lic. No. 6003828.

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Restaurants