Restaurants--with No Sale of Alcoholic Beverages--without Table Service with Seating

What Does GL Code 16901 Cover?

ISO GL class code 16901 specifically covers restaurants that operate without the sale of alcoholic beverages and primarily offer counter service with seating. This classification is designed for establishments where customers order and pay at a counter, and food is typically delivered to their table or picked up, distinguishing them from full-service dining. It addresses the general liability exposures inherent in food service operations, excluding risks associated with alcohol sales.

Who Uses This Class Code?

This code applies to various quick-service restaurants, fast-casual eateries, cafes, diners, and delis that do not serve alcohol. Examples include sandwich shops, pizza parlors without alcohol licenses, breakfast and lunch cafes, and many ethnic food establishments offering counter service.

Common GL Claims for This Class

Common claims for these establishments include customer slip-and-fall incidents due to spills or wet floors, foodborne illness claims from contaminated food, and property damage caused by kitchen fires or equipment malfunctions.

Coverage Tips for Code 16901

• Ensure your policy includes product liability coverage, as foodborne illness claims are a significant exposure for restaurants.
• Implement robust slip-and-fall prevention measures, as customer injuries from wet floors or spills are common claims in counter-service settings.
• Review your policy for exclusions related to property damage caused by cooking equipment, and consider equipment breakdown coverage.
• Maintain accurate gross receipts records, as this is the basis for premium calculation and can lead to audit discrepancies if not properly documented.