Restaurants.

Restaurants is in Hedge's current published wholesale appetite for licensed retail insurance brokers. Sit-down, fast-casual, QSR. Liquor optional. Owner-operated wins. Published target coverage includes Commercial Property with a published target of $5M / loc, General Liability with a published target of $1M / $2M, and Liquor Liability with a published target of $1M / $2M (if needed). Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS 722511 · 722513 · 722514

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

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Coverage

Published target coverage.

These are starting-point lines and limits for a restaurants submission. Hedge confirms current fit, route, and available terms after account review.

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 →

Class details

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$5M / loc Commercial Property for restaurants Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for restaurants Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M (if needed) Liquor Liability for restaurants Coverage context, underwriting facts, forms, and preparation guidance. Statutory Workers Compensation for restaurants Coverage context, underwriting facts, forms, and preparation guidance.

Submission preparation

What to submit for restaurants

Open class checklist →

Sweet spot

Stronger starting profile.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

01 Sit-down dining, < 30% liquor

02 Owner on premises, 2+ years

03 Quarterly hood cleaning + ANSUL

Submission

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

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

Related classes.

Often relevant to a submission in this class.

FAQ

Common questions.

Does Hedge write restaurants?

Restaurants is in Hedge's current published appetite. Sit-down, fast-casual, QSR. Liquor optional. Owner-operated wins. Hedge confirms current market fit and route after reviewing the account.

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 item. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on restaurants?

Commercial Property target up to $5M / loc; General Liability target up to $1M / $2M; Liquor Liability target up to $1M / $2M (if needed); Workers' Comp (referral) target up to Statutory. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write diner?

Diner is one way brokers describe restaurants. It maps to the same published Restaurants appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED 2026-08-24 · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC CA LICENSE #6018729 NPN 22154671