Restaurants--with Sale of Alcoholic Beverages 30%–75% of Total Annual Receipts--without Dance Floor

What Does GL Code 16916 Cover?

ISO GL class code 16916 specifically covers restaurants where the sale of alcoholic beverages constitutes 30% or more, but less than 75%, of their total annual receipts, and which do not feature a dance floor. This classification is crucial for accurately assessing the general liability exposures associated with significant alcohol service without the added risks of a dance-oriented establishment.

Who Uses This Class Code?

This code applies to various dining establishments such as upscale restaurants, bistros, gastropubs, and casual eateries that generate a substantial portion of their revenue from alcohol sales. It also includes fine dining restaurants and taverns that primarily focus on food service but have a robust bar program.

Common GL Claims for This Class

Common GL claims for this business type include slip and fall incidents on premises, foodborne illness claims, and liquor liability claims arising from intoxicated patrons causing injury or property damage after leaving the establishment.

Coverage Tips for Code 16916

• Ensure your liquor liability coverage limits are adequate, as this is a primary exposure for establishments with significant alcohol sales.
• Review your policy for assault and battery exclusions, which are common in policies for businesses serving alcohol and can leave significant coverage gaps.
• Implement and enforce responsible vendor training programs for all staff serving alcohol to mitigate potential liability from over-serving patrons.
• Be aware of Florida's dram shop laws, which can hold establishments liable for damages caused by intoxicated patrons, and ensure your policy responds accordingly.