Restaurant & Tavern Package Programs

Carrier:  Advantage Specialty will underwrite all package policies through a competitive A Rated carrier.

States: Currently, we will be offering policies in the following states:

Pennsylvania
New Jersey
Florida

Coverage Limits Available:

General Liability:	Each Occurrence	$1,000,000
	Personal & Adv. Injury	$1,000,000
	General Aggregate	$2,000,000
	Products-Comp/Op Agg.	$2,000,000
	Damage to Rented Premises	$100,000
	Med Pay	$5,000
Liquor Liability:	Each Occurrence	$1,000,000
	Aggregate	$1,000,000
Property:	Real/Personal Each Occurrence	$1,000,000

Before submitting your application for consideration at Advantage Specialty, please review this list of important materials and include the following information with your submission.

Applications

• Standard Accord Application - not always necessary if you submitted the Restaurant & Liquor Applications but necessary if Commercial Property is elected. 
• Restaurant Application-Mandatory
• Liquor Supplement - mandatory

Loss Information

• At least 3 years of updated loss information
• A "no loss" letter on the applicant’s letterhead is acceptable in lieu of loss information.  This letter must be signed by the applicant/owner of the business.
• Any copies of prior Loss Inspection Surveys or Reports.

Rating Data

• General Liability - total breakdown of annual gross sales and liquor receipts including but not limited to packaged goods and catering receipts.  If requesting coverage for Apartment Buildings, we will need the number of units.
• Commercial Property - Building, Contents, Business Income & Extra Expense values and limits.  Square footage and construction type of building.
• Prior rating data from current company if available