At M.J. Hall & Company, Inc., we provide access to specialized Restaurant Insurance programs designed to meet the unique exposures of food establishments—regardless of whether they offer seating, table service, alcohol, or limited live entertainment such as piano or string quartets. Our program is ideal for restaurants where alcohol sales make up less than 50% of gross revenue, fitting the definition of a dining-focused establishment.
As an experienced Excess & Surplus Lines Broker, M.J. Hall partners with multiple A-rated carriers to offer both admitted and non-admitted solutions across California, Arizona, Alaska, Hawaii, and Nevada. We help agents place a wide range of restaurant risks from fast-casual diners to upscale eateries with valet services or light entertainment.
Our Restaurant Insurance Coverage Includes:
General Liability (Primary or Excess)
- Commercial General Liability (CGL) limits up to $3,000,000
- Primary Liquor Liability up to $1,000,000
Available Program Enhancements:
- Garage Keepers Coverage for valet services
- Non-Owned and Hired Auto Liability
- Assault & Battery sublimits
- Business Income protection
- Medical Payments Coverage
Crime Coverage
- Inside the Premises
- Outside the Premises
Property Coverage
- Basic, Broad, or Special Form options
- Replacement Cost or Actual Cash Value (ACV)
- Contents and Inventory
- Business Income (including Extra Expense)
- Equipment Breakdown
- Accounts Receivable
- Computer Equipment
- Exterior Signs
- Valuable Papers
Ideal Accounts and Appetite
Our program serves a wide range of food service businesses, including:
- Family-style restaurants and cafes
- Fast-casual and quick-service restaurants
- Upscale dining with piano or string quartet entertainment
- Establishments with valet services or minor alcohol sales
This program is especially suited for accounts where alcohol sales are below 50% of gross receipts. It is not tailored for bars or nightclubs.
Underwriting Notes and Minimum Premiums
We can accommodate a range of account sizes and complexities. Minimum premiums typically start at $750 or higher, depending on the specific risk characteristics and coverages selected. Our team works closely with agents to assess exposures and structure competitive and compliant solutions.
Territories and Availability
This program is currently available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. We offer both admitted and non-admitted options in select states through our network of top-rated carriers.
Why Partner with M.J. Hall & Company?
With decades of E&S expertise and strong carrier relationships, M.J. Hall & Company helps agents access competitive restaurant insurance markets that may be difficult to place elsewhere. We understand the nuances of restaurant risks—from liquor liability to property and crime exposures—and are committed to responsive service and underwriting support.
Our agents are ready to help you explore the right Restaurant Insurance solution for your client’s needs. Contact M.J. Hall today to get started!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for restaurants with less than 50% of gross sales from alcohol. Suitable accounts include family restaurants, fast-casual dining, and upscale diners with minor entertainment or valet services.
Is liquor liability included in the coverage?
Yes, primary liquor liability coverage is available with limits up to $1,000,000, provided the establishment meets the underwriting criteria.
Can I access admitted and non-admitted markets through this program?
Yes, M.J. Hall works with A-rated carriers to offer both admitted and non-admitted options depending on the state and risk profile.
What states is this program available in?
The restaurant insurance program is currently available in Alaska, Arizona, California, Hawaii, and Nevada.
What is the minimum premium for this program?
Minimum premiums generally start at $750 or higher, depending on the size and nature of the risk.
Need help placing an account? Connect with a market specialist.