Distinguished: Restaurants Insurance Appetite
Distinguished is a standard/admitted carrier. Online quoting available. Most programs like Real Estate Umbrella are nationwide. Restaurant BOP is available nationwide except AK, FL, HI, and NY.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Commercial Auto |
| Employment Practices Liability |
| Liquor Liability |
Premium Range
Contact carrier for quote
Typical annual premium
Target States
All 50 states + DC
Key Features
- Business Owner's Policy (BOP) for Restaurants: Tailored BOP for casual, fast casual, and upscale dining establishments. (includes Business Income Actual Loss Sustained, Spoilage, Restaurant Enhancement Endorsement)
- Community Associations Package Insurance: Comprehensive package for HOAs, COAs, and PUDs.
- Hotel Primary & Umbrella Insurance: Specialized solutions for hotels, resorts, and casinos.
- Fine Art & Collectibles: Tailored coverage for galleries, artists, museums, and private collections. (includes Fine Wine Insurance)
Limitations
- Does not offer Workers Comp — may need separate placement
- Fast Food Restaurants may face underwriting restrictions: Target is casual/upscale dining 'a notch up from fast food'.
Compare Other Carriers for Restaurants
$2,500-$12,000
$4,000-$18,000
$3,000-$20,000
$500-$3,000
$1,200-$7,000
$3,000-$20,000
$1,200-$8,000
$3,000-$15,000
$3,000-$15,000
$1,500-$10,000
$2,000-$15,000
$2,000-$12,000
$1,000-$8,000
$2,000-$14,000
$2,500-$15,000
$3,500-$18,000
$2,000-$12,000
$2,000-$13,000
$1,800-$11,000
$1,500-$10,000
$3,000-$18,000
$800-$4,500
$5,000-$50,000
$3,000-$25,000
$500-$8,000
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