Restaurant Packages

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.