Restaurants--with Sale of Alcoholic Beverages Less Than 30% of Total Annual Receipts--without Table Service

What Does GL Code 16911 Cover?

ISO GL class code 16911 applies to restaurants primarily engaged in food service where the sale of alcoholic beverages constitutes less than 30% of their annual receipts and they operate without table service with seating. This classification is designed for establishments like counter-service eateries, fast-casual restaurants, or delis that offer limited alcohol sales alongside their main food offerings, focusing on the general liability exposures associated with such operations.

Who Uses This Class Code?

This code specifically covers businesses such as fast-casual restaurants, sandwich shops, pizzerias, and cafes that primarily serve food over the counter and have limited or no table service, with alcohol sales being a minor portion of their revenue. Examples include quick-service delis, self-service cafeterias, or small bistros where customers order at a counter and may consume alcohol on-premises but without dedicated waitstaff.

Common GL Claims for This Class

Common GL claims for this business type include slip-and-fall incidents by patrons, foodborne illness claims from contaminated food, and liquor liability claims arising from intoxicated patrons causing injury or property damage after being served.

Coverage Tips for Code 16911

• Ensure accurate reporting of gross receipts, especially for alcohol sales, as this directly impacts premium calculations and can lead to significant audit discrepancies.
• Verify that your liquor liability coverage limits are adequate, even with low alcohol sales, as a single incident can result in substantial claims.
• Implement strict age verification protocols and responsible beverage service training for all staff to mitigate liquor liability risks.
• Review your policy for exclusions related to assault and battery, which are common in establishments serving alcohol, and consider adding coverage if available.