Restaurants--with Sale of Alcoholic Beverages 75%+ of Total Annual Receipts--with Tables--without Dance Floor: Table Service

What Does GL Code 16930 Cover?

ISO GL class code 16930 covers restaurants primarily engaged in table service where the sale of alcoholic beverages constitutes 75% or more of their total annual receipts, and they do not feature a dance floor. This classification specifically targets establishments whose core business model heavily relies on alcohol sales alongside food service, emphasizing the unique liability exposures associated with such operations. It delineates businesses based on their revenue stream and operational setup, distinguishing them from other restaurant types.

Who Uses This Class Code?

This code applies to upscale restaurants, wine bars with extensive food menus, gastropubs, and fine dining establishments where the primary focus is on a curated beverage program complemented by table-served meals. Specific examples include high-end steakhouses, seafood restaurants, or specialized eateries that generate the majority of their income from alcoholic drink sales.

Common GL Claims for This Class

Common claims include liquor liability incidents arising from intoxicated patrons causing injury or property damage, slip-and-fall accidents within the premises, and foodborne illness claims related to served meals.

Coverage Tips for Code 16930

• Ensure your General Liability policy includes Liquor Liability coverage with adequate limits, as this class has significant exposure due to high alcohol sales.
• Be aware of Dram Shop laws in Florida, which can hold establishments liable for damages caused by intoxicated patrons; implement strict responsible vendor practices.
• Verify that your Florida Alcoholic Beverage and Tobacco (ABT) license is current and that all staff involved in alcohol service are properly trained and certified, such as through the Responsible Vendor Program.
• Review your policy for exclusions related to assault and battery, as incidents involving intoxicated patrons are a common source of claims in this business class.