Restaurants.

Sit-down, fast-casual, QSR. Liquor optional. Owner-operated wins.

NAICS 722511 · 722513 · 722514

Also known as diner, cafe, eatery, fast casual, QSR

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Coverage

What we'd quote.

Standard limits on a clean restaurants submission. Excess towers structured on request.

Commercial Property $5M / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → Liquor Liability $1M / $2M (if needed) Liquor Liability wholesale → Workers' Comp (referral) Statutory Workers' Comp (referral) wholesale →

Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 Sit-down dining, < 30% liquor

02 Owner on premises, 2+ years

03 Quarterly hood cleaning + ANSUL

Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

015-year loss runs
02% sales: food / liquor / takeout
03Hood cleaning frequency
04Years in operation under current owner
05Live music / late-night / dance floor?

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction

FAQ

Common questions.

Does Hedge write restaurants?

Yes. Restaurants is in appetite. Sit-down, fast-casual, QSR. Liquor optional. Owner-operated wins. First response inside 30 minutes during business hours.

What does Hedge need to quote restaurants?

5-year loss runs; % sales: food / liquor / takeout; Hood cleaning frequency; Years in operation under current owner; plus 1 more standard items. Pulling these together with the file gets you to a quote in hours.

What limits and lines does Hedge offer on restaurants?

Commercial Property to $5M / loc; General Liability to $1M / $2M; Liquor Liability to $1M / $2M (if needed); Workers' Comp (referral) to Statutory. Excess towers are structured on request.

Does Hedge write diner?

diner is one of the ways brokers describe restaurants, and yes, we handle it under our Restaurants appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED 2026-05-19 · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC CA LICENSE #6018729 NPN 22154671