Utica First’s Food Service Coverage:
The Utica First Food Service BOP continues to be the fastest growing product in our company’s history! We listen to our agents and brokers to understand policyholders’ business environments, risks, and goals to help you get them the coverage that’s right for them. We specialize in writing a wide variety of food service businesses—from Fast Food/Take-Out, to Family Style Restaurants, to local Bakeries and Diners. New Ventures can be written! We rate the liability section of our policies on Public Area square footage, which makes our policy one of the most competitive products in the industry today.
Here’s what we're looking for: Clean, Well-Maintained, Year-Round Restaurant Types
- Pizza Shops
- Bagel Stores
- Ethnic Take-out
- Family Style Restaurants
- Diners
- Food Trucks
- Cafés
- Bakeries
- Franchises (Arby’s, Subway, Dunkin’, etc.)
- “White Tablecloth” Restaurants
- Ethnic Cuisine Restaurants
- Fast-Casual Restaurants / Take-out Only
- Establishments (year round)
- Delicatessens
Risks outside the scope of our program:
- Risks with liquor sales exceeding 30% of total sales (consider our Tavern Program for these risks).
- Dance Clubs. No dancing allowed or live entertainment beyond guitar or piano dinner-type music.
- Risks with bouncers or security staff; any sale of products containing Cannabis, THC, or CBD.
- Risks without verifiable, continuing contracts for cleaning of hood, duct, and fire suppression systems.
- High Value Frame risks in poor fire protection areas. Consult our Binding Limits page for max limits.
- Seasonal Risks: wedding venues/event halls; delivery of alcohol; sale or use of Hookah-type devices; storage or recharging of E-Bikes or their batteries on premises; catering off premises >10% of sales or food.
- No catering with liquor allowed.
- Risks with tableside cooking—discuss with Underwriting.
Discuss with your insured:
- Assault and Battery Coverage (A&B) will be excluded on risks open later than 12 a.m. and/or have liquor sales greater than 30% of total sales. (Metro areas, contact your Underwriter.)
- The Utica First APPETIZER endorsement options provide your insureds with a terrific “bundle” of coverages at prices more reasonable than including them separately:
| Coverage | Appetizer 1 | Appetizer 2 |
|---|---|---|
| Fire Legal Liability | $100,000 | $250,000 |
| Refrigerated Food Products | $10,000 | $25,000 |
| Accounts Receivable | $10,000 | $10,000 |
| Valuable Papers | $10,000 | $10,000 |
| Utility Interruption | $5,000 | $5,000 |
| Utility Service Interruption (Time Element Coverage) | $5,000 | $10,000 |
| Backup of Sewers and Drains | $5,000 | $10,000 |
| Additional Debris Removal | $5,000 | $5,000 |
| Business Prop at Newly Acquired Locations | $5,000 | $10,000 |
| Money and Securities | $5,000 | $10,000 |
| Computer Coverage | $5,000 | $10,000 |
| Demolition Coverage | $5,000 | $5,000 |
| Credit Card Receipts | $5,000 | $5,000 |
| Employee Dishonesty | $5,000 | $10,000 |
| Additional Expense | $2,000 | $2,000 |
| Credit Card, Forgery, Counterfeit Money | $2,000 | $5,000 |
| Exterior Signs | $2,000 | $5,000 |
| Glass Coverage | $2,000 | $5,000 |
| Trees, Plants, Shrubs | $2,000 | $5,000 |
| Lock Replacement | $500 | $1,000 |
- Utica First REQUIRES the following criteria be met (please see manual for full guideline eligibility):
- Contract for annual cleaning of Ansul System (verified by sticker) - Note: cleaning by insured not acceptable.
- Contract for semi-annual cleaning of hood & ducts (verified by sticker).
- Filters cleaned daily and hoods cleaned weekly.
- Automatic Fuel shut-offs to all cooking appliances activated by release of an AES (Automatic Extinguishing System).
- Thermostat and separate high temperature shut-off for deep fat fryers.
- No mesh-type filters.
- Minimum hood clearance of 18 inches from all combustible construction.
- POS (Point of Sale) report required to verify sales.
- 3-5 year loss runs required (New Business ventures are eligible as long as there is experience).
- Maximum public square footage is 5,000 sq. ft.
- Any apartment in building must be Sprinklered or Central Station Fire Alarm in Restaurant with interconnected fire detectors in restaurant area.
- Liquor Liability: Available only on risks with liquor receipts under 30% and Restaurant must close by 12 a.m. to be eligible. (Contact your Underwriter if risk is in a Metro area.)
- Cyber Liability is automatically quoted in most Utica First jurisdictions. Aggregate Liability Limit is $100,000.
- Systems Breakdown is automatically quoted and covers Mechanical Breakdown, Breakdown of Boilers, and even $5,000 for theft of computers or software.
