Restaurants--with Sale of Alcoholic Beverages Less Than 30% of Total Annual Receipts--with Table Service

What Does GL Code 16910 Cover?

ISO GL class code 16910 covers full-service restaurants where alcohol sales represent less than 30% of total annual receipts. This is the most common code for casual dining restaurants with a beer and wine license or full liquor license where food is the primary revenue driver.

Who Uses This Class Code?

Casual dining restaurants, family steakhouses, Italian restaurants, seafood restaurants, and any full-service restaurant where alcohol is a secondary revenue source.

Common GL Claims for This Class

Common claims include slip-and-fall injuries, foodborne illness, and alcohol-related incidents (covered under separate liquor liability policy).

Coverage Tips for Code 16910

• Track your alcohol-to-food revenue ratio carefully — if alcohol exceeds 30%, you need a different code
• Dram shop liability (liquor liability) is typically excluded from standard GL — purchase separately
• Florida's Dram Shop Act creates liability for serving visibly intoxicated persons
• Ensure your server staff is trained in responsible alcohol service (TIPS certification)