What is ProHost Fine Dining Package Program?
The ProHost Fine Dining Package is a bundled insurance program designed for sit-down restaurants, upscale bistros, and similar eating establishments. It combines general liability protections with property and equipment coverage tailored for front-of-house and back-of-house exposures. For more details on food-related contamination exposures within a specific ProHost offering, see Food-Borne Contamination / ProHost Fine Dining Restaurant Package.
Who needs it
This program is a fit for independent fine-dining restaurants, small groups of operators, and hospitality owners who face patron-related liability and property risks. Typical purchasers include restaurant owners, club caterers, and operators who want a combined solution that addresses commercial liability, property coverage, and equipment coverage. If you manage a restaurant with higher customer counts or specialty menus, a dedicated package like this is commonly recommended — see an overview at Fine Dining Restaurant Insurance Package.
What it typically covers
Coverage elements vary by insurer, but a typical fine dining package includes:
- General liability for bodily injury and property damage to third parties
- Property coverage for the building, fixtures, and kitchen equipment
- Business interruption coverage for revenue loss after a covered physical loss
- Optional coverages such as food-borne contamination, liquor liability, and limited commercial auto exposure for owned delivery vehicles
Risk scenario: a customer slips on a wet floor and suffers an injury — general liability would address the third-party injury claim while equipment coverage would help replace damaged kitchen assets after a fire. For a related perspective on eating-place coverages, review Eating and Drinking Establishments (Fine Dining) Insurance.
Common exclusions or limitations
Packages often exclude intentional acts, wear-and-tear, and certain types of pollution or cyber incidents unless specifically added. Liquor liability, food-borne contamination, and event liability may be limited or require endorsements. Underwriting factors can determine whether specific exposures are excluded or must be written with higher deductibles.
Factors that influence cost
Premiums depend on several underwriting factors including location, annual revenue, payroll, protection systems (sprinklers, alarms), claims history, menu hazards, and the amount of property and equipment insured. Operational hazards such as frequent deliveries, valet service, or large on‑site events can increase exposure and affect pricing.
Proof of insurance & compliance
Many landlords, event venues, and licensing authorities require certificates of insurance showing liability limits, additional insured endorsements, or proof of liquor liability where applicable. Maintain up-to-date certificates and be prepared to show them when contracting with third parties or hosting private events.
How to get a quote
Gather basic information — location, annual sales, payroll, square footage, and a list of major equipment — and discuss coverage needs with an agent. If you prefer a quick starting point, talk to your agent who can compare package options and endorsements that match your risk profile.
Frequently Asked Questions
Do these packages include liquor liability?
Some programs include liquor liability or offer it as an endorsement; availability depends on the insurer and your operation’s alcohol service practices.
Is food-borne contamination covered?
Food-borne contamination is often available as a specific endorsement rather than automatically included; review policy wording to confirm limits and conditions.
Will my landlord accept a package policy certificate?
Yes, landlords commonly accept certificate of insurance evidence from a package policy, but they may require specific endorsements such as additional insured status — confirm requirements with your landlord or property manager.
Still have questions? Talk to a local insurance expert.