ELIGIBILITY: Specifically designed for the independently owned and operated Restaurant, Deli, Café or Pizzeria

BUILDING CONSTRUCTION: All Types

AGE: 30 Years old or newer. May consider older buildings that house upscale restaurants if they have been completely updated and meet current code requirements.

PROTECTION CLASS: 1-8

INELIGIBLE RISKS:

• No Fast Food Outlets of any kind
• No Check Cashing on Premises
• No valet parking
• No Pool Tables or Dart Boards
• No firearms (kept for security)
• No docks, wharves or piers
• No delivery service
• No bouncers
• No Happy hours
• No Children's Playgrounds
• No seasonal Establishments
• No Cover Charge
• No Live entertainment or dancing except background musician, piano, harp or violin
• No tableside cooking
• No Gas pumps on premises
• No Security Guards
• No Sporting/Game Activities
• No ABC violations in last 5 years
• No Liquor License revocations in last 5 years
• No New Ventures

GENERAL UNDERWRITING:

• Must be at least 100 feet from waterfront and a slope of 30 degrees or less
• Must have fire suppressant system over all cooking areas including deep fat fryers.
• Must have a central alarm system if located in urban area
• Must have three (3) years ownership at location (Other ownership or management may be Considered)
• Liquor receipts cannot exceed 25% of gross receipts unless a result of extensive and expensive wine list
• Premiums will be based on public area including dining area, rest rooms and hallways
• Banquet facilities will not be included in premium computation.