Restaurants--with No Sale of Alcoholic Beverages--with Table Service

What Does GL Code 16900 Cover?

ISO GL class code 16900 covers full-service restaurants that do not sell alcoholic beverages. This is the standard code for family restaurants, diners, and casual dining establishments without a liquor license.

Who Uses This Class Code?

Family restaurants, diners, cafes, breakfast restaurants, and any full-service restaurant without alcohol sales.

Common GL Claims for This Class

Common claims include slip-and-fall injuries, foodborne illness claims, and property damage from kitchen fires.

Coverage Tips for Code 16900

• Ensure your policy includes liquor liability exclusion acknowledgment if you truly serve no alcohol
• Food contamination and foodborne illness coverage is typically separate — ask about product liability
• Slip-and-fall claims are the most common GL claim for restaurants — maintain clean floors
• Consider hired/non-owned auto if employees use personal vehicles for delivery