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Intake Checklist

Restaurant / Food Service — Commercial Insurance

Everything you need to collect before submitting a commercial account for a restaurant, café, food truck, bar, or catering operation.

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How to use this checklist: Work through each section with your client — by phone, email, or in person. Check each box as you collect the information. Flagged items ⚠ UW are common underwriting triggers — collect extra detail before submitting.
1

Business Information

Legal Business Name
DBA / Trade Name (if different)
Entity Type
LLC / S-Corp / C-Corp / Sole Proprietor / Partnership
FEIN (Federal Employer ID)
Years in Business / Years at This Location
Business Address
Primary Contact Name, Phone & Email
Own or Lease the Space?
If leasing, landlord may require additional insured status or specific limits
2

Operations & Concept

Type of Operation
e.g. Full-service restaurant, fast casual, café, bar/tavern, food truck, catering, bakery, food hall vendor
Cuisine / Concept
Hours of Operation
Indoor Seating Capacity
Outdoor / Patio Seating?
Square Footage (total / kitchen / dining)
Annual Gross Revenue
Multiple Locations?
3

Liquor & Alcohol

Is Alcohol Served?⚠ UW
Liquor License Number & Type
e.g. Beer & wine only, full liquor, on-sale general
Alcohol as % of Total Revenue⚠ UW
Over 50% typically shifts the risk class from restaurant to bar — affects pricing significantly
Happy Hour / Drink Specials?⚠ UW
Live Entertainment, DJ, or Dancing?⚠ UW
TIPS / ServSafe Alcohol Training for Staff?
Late-Night Hours (past midnight)?⚠ UW
Agent tip: Liquor liability is its own coverage and is often excluded from GL. Confirm whether the client wants it as a separate policy or an endorsement. Alcohol percentage over 50% of revenue usually means the account is rated as a bar, not a restaurant — this can double the GL premium.
4

Delivery, Catering & Off-Premise Operations

Delivery Service?
In-house drivers trigger hired & non-owned auto exposure
In-House Delivery Drivers?⚠ UW
Catering / Off-Premise Events?
Food Truck or Mobile Unit?
Requires separate mobile vehicle and GL coverage — note VIN and garaging address
Events at Client Locations (weddings, corporate)?
5

Property & Equipment

Building Value (if owned)
Business Personal Property Value
Furniture, fixtures, smallwares, décor
Kitchen Equipment Value
Commercial ovens, fryers, refrigeration, hood systems, POS
Food & Beverage Inventory Value
Average on-hand value — may need food spoilage coverage
Business Income / Loss of Revenue Coverage Needed?
How many months of operating expenses to cover if forced to close?
Hood & Ansul System — Last Inspection Date
Carriers often require proof of semi-annual inspection
Fire Suppression System in Kitchen?
Sprinkler System in Building?
Year Building Was Built / Last Renovated
Agent tip: Hood and ansul system inspection records are commonly requested at binding. Ask the client to have these ready. Restaurants with no suppression system or overdue inspections may face coverage restrictions or exclusions.
6

Employees & Payroll

Total Number of Employees
Annual Total Payroll
Kitchen / Back-of-House Staff Count
Front-of-House / Service Staff Count
Tip Reporting Practices
Affects WC payroll calculation — tip income may or may not be included depending on state
Use of Temporary or Seasonal Staff?
7

Health, Safety & Compliance

Most Recent Health Department Inspection Grade / Score⚠ UW
Some carriers decline or surcharge accounts with recent critical violations
Any Health Violations or Closures in Last 3 Years?⚠ UW
Food Handler Certifications for Kitchen Staff?
Slip-and-Fall Prevention Measures?
e.g. Non-slip mats, wet floor signs, regular cleaning schedules
Security Cameras on Premises?
8

Prior Insurance & Loss History

Current GL Carrier & Policy Number
Current GL Expiration Date
Current Liquor Liability Carrier (if separate)
Current WC Carrier & Expiration
Any Prior Cancellations or Non-Renewals?⚠ UW
GL / Liquor Claims — Last 5 Years⚠ UW
Date, description, paid amount, open/closed — request loss runs from prior carrier
WC Claims — Last 5 Years⚠ UW
Any Food Borne Illness Claims or Allegations?⚠ UW
9

Coverage Requested

Commercial General Liability
Desired limits — e.g. $1M/$2M
Liquor Liability
Commercial Property
Business Income / Extra Expense
Food Spoilage
Workers Compensation
Commercial Auto / Hired & Non-Owned Auto
Umbrella / Excess Liability
Additional Insureds Required?
Landlord, property management, event venues

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