commercial property + casualty


Our Restaurant and Deli Program is intended for food service establishments offering dine-in or take-out menu options. This coverage does not apply to Bars and Taverns where alcohol sales exceed 50 percent. Nightclubs and adult entertainment risks are not eligible for this program.

Coverage includes

  • Property and Liability, either as a package or separately
  • General Liability
  • Building
  • Business Income
  • Contents
  • Food spoilage
  • Liquor Liability
  • Outside signs
  • Property Enhanced Coverage
  • Replacement Cost or Actual Cash Value

Coverage is not available for

  • Catering – please refer to our Caterers Program
  • Establishments with dance floors more than 300 square feet
  • Manufacturers and distributors as additional insureds
  • Establishments with mechanical amusement devices
  • Nightclubs

What is Available

  • General Liability limits up to $2MM/$3MM
  • Umbrella/Excess limits up to $10MM
  • Property
  • Medical Payment Coverage limit up to $5,000
  • Crime: money and securities inside/outside premises
  • Employee Benefits Liability
  • Hired and Non-Owned Auto

MacNeill Group offers many comprehensive coverages.

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