Restaurant Risk

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Restaurant types Definitions SIC5812 Eating Places "Establishments primarily engaged in the retail sale of prepared food and drinks for on-premise or immediate consumption." This category includes such sub-categories as fast food establishments, family style and fine dining restaurants and franchise restaurants. Fast food restaurants are those restaurants that typically do not offer table service. Family style restaurants offer food service that may or may not have incidental sales of beer, wine, or liquor. The beer, wine, or liquor sales must be in conjunction with meal service. Restaurants that have a bar area where customers wait before being seated in the restaurant are acceptable. Fine dining restaurants serve lunch and dinner and usually offer extensive wine lists or serve high value wines or liquor. They may offer valet services. Eligible restaurants Buffets Cafes Cafeterias Carry out restaurants Coffee shops Dairy bars Deli's Diners Drive-in's Fast food Food bars Fine dining Grills Luncheonettes Sandwich shops More difficult categories of restaurants Bars Casinos Caterers (unless incidental) Concession stands Dinner theaters Microbrewery restaurant Night clubs Sports bars Taverns Special considerations Restaurants that have cover charges, bouncers, DJ's, bands, or dance floors Any restaurant with more than an incidental game exposure (for example: video arcades, multiple pool tables, dart boards, playground equipment, or rides) Restaurants or delis with a brewery on site Restaurants with no previous insurance or long lapses in coverage Caterers or banquet halls Foot delivery

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Not only are policy forms, clauses, rules and court decisions constantly changing, but forms vary from company to company and state to state. This material is intended as a general guideline and might not apply to a specific situation. The authors, LunchTimeCE, Inc., CEfreedom, and Insurance Skills Center, and any organization for whom this course is administered will have neither liability nor responsibility to any person or entity with respect to any loss or damage alleged to be caused directly or indirectly as a result of information contained in this course.