As a leading program manager for the hospitality business for over 25 years, Axiom's expertise covers numerous risks in dining, from fast food to fine dining. We tailor an insurance program to the unique operations and exposures of each risk resulting in a customized insurance program that fits your clients’ needs.
Contact: Dan Djordjevic d_djordjevic@axiom-ins.com or (847) 228-5883, ext. 219
| Eligible Exposures |
Ineligible Exposures |
- Fine Dining
- White Tablecloth
- Steakhouses
- Up to 65% Liquor with acceptable wine list
- Entertainment limited to acoustical, trios, jazz combos 2 times a week
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- DJ’s
- Dance Floors
- Stages
- Concert Venues
- After hour nightclub operations or nightclub operations on weekends
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| Program Territory |
All states except: New Hampshire, Iowa, Alabama, and Vermont.
State Restrictions:
- New York: Bronx (certain zip codes)
- Connecticut: New Haven (certain zip codes)
- Minnesota: (certain counties are restricted to $100,000/$300,000 Liquor Liability Limits)
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| Coverage and Limits Available (Maximum Limits) |
General Liability
$1,000,000 Each Occurrence
$2,000,000 General Aggregate (other than Products/Completed Ops)
$2,000,000 Products Completed Operations
$2,000,000 Personal and Advertising Injury
$500,000 Damages to Premises Rented to You
Liquor Liability (Package or Mono-Line)
$1,000,000 Each Common Cause
$2,000,000 Aggregate (per location aggregate is applicable)
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| Optional Coverages Available |
Assault and Battery
Defense outside the Limit of Liability
Combined Single Limit
$1,000,000 Hired and Non-Owned Auto Liability
Valet Parking
$5,000 Medical Payments (Fine Dining Only)
Umbrella / Excess: Limits up to $10 Million
Additional Insureds
Employers Practices Liability
Property (subject to Coastal Wind Exclusions)
Business Income (subject to Coastal Wind Exclusions)
Food and Beverage Spoilage
Equipment Breakdown
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| Submission Requirements |
Signed ACORDs
Three Years Currently Valued Loss Runs
Supplemental application either Axiom’s or another carrier’s
Target pricing or expiring premium
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