1.
SMALL COMMERCIAL
THE RESTAURANT INDUSTRY IS BOOMING
The restaurant industry has been experiencing phenomenal growth. It's why we've changed the way we're
underwriting, servicing and helping you place business.
WE CATER TO YOU & YOUR CUSTOMERS
We've aligned our appetite between our Spectrum@BusinessOwner'sPolicyandWorkers'
Compensation products. Eligibility guidelines are consistent, and the entire process has been
streamlined. So it's even easier for you to offer your restaurant customers a total account solution.
Our New ICON system makes quoting and binding restaurant business even easier by:
Reducing cooking control questions from 12 to 1 (Loss Control Specialists will validate
responses to cooking control questions)
Improving screen flow
Reducing hard stops
Thanks to a new approach, we have removed obstacles that once made writing restaurant
business difficult. Now:
Restaurants with party rooms or on premises banquet facilities that seat up to 100 guests
qualify
Eating establishments - other than bars or taverns - open until 2:00AM are eligible
Liquor Liability training guidelines have been simplified to only request verification that
those serving alcohol have completed an alcohol training program
New question sets have been fine-tuned to reflect actual exposure for each restaurant class:
Retail
Fine Dining
Full-Service
Fast Food
"Bar" definition is separate from restaurants to ensure that restaurants serving liquor
are eligible
Expanded
Appetite
For all restaurant
classes, we've eased
liquor sales eligibility
requirements.
Now available! Liquor
Liability for fast food
restaurants, buffets and
cafeterias where liquor
receipts are < 25% of
total receipts.
See back for details.
HARTFORD
