TMS restaurant packages provide insurance coverage for small to mid-size, owner operated or franchised establishments.
Who we insure
Full service -- Patrons order and are served at tables by wait staff. Liquor receipts 0-50% of total food and beverage sales.
Casual service -- Patrons order at counter, but are served at tables. Liquor receipts 0-35% of total food and beverage sales.
Carry-out service -- Patrons carry out 100% of their orders. No liquor sales.
Cafeteria style -- Patrons order and pick up at counter. Food typically prepared in advance. No liquor sales.
Food & beverage bars (non-alcoholic) -- Patrons order and pick up at counter. No liquor sales.
Bars, pubs, taverns and cocktail lounges -- Catering to responsible adult patrons. Liquor receipts 36-100% of total food and beverage sales.
Brewpubs -- Same as description immediately above, but with on-site brewing.
Coverages

Property

Equipment breakdown

Commercial general liability

Liquor liability (in states where available)

Hired & non-owned auto

Crime & fidelity
Coverage limits

Property limits up to $3 million

General liability limits up to $1 million occurrence / $2 million aggregate

Crime limits up to $25,000

Liquor liability limits up to $1 million
What makes TMS different

Access to an A+ rated carrier

Customized products designed specifically for restaurants

Exceptional response time for both quotes and policy issuance

Lower administration costs for our agents

Competitive agency compensation
Where we offer this coverage
This program is available in most states. Interested agents should
contact TMS.