Restaurant Insurance in Pennsylvania

Single-unit upscale modern American, 4,200 sf, 68 seats, $175 average ticket, 36 staff, PLCB R license plus Late Hour endorsement, premium wine program. When the operator brought us in for a fresh review, the dec page from their prior program showed a kitchen fire during summer convention week, triggered by ventilation hood failure, that had driven a 70-day closure. The rebuild on the pre-1980 Center City building triggered current-edition building-code upgrade scope, and PLCB closure-reporting obligations engaged — surfaces the inherited program had been bound off the prior dec page across multiple cycles without re-scoping.

We re-read the operator profile on video — ordinance-and-law code-upgrade coverage for the pre-1980 building, PLCB R-license closure-reporting cadence, premium wine inventory scheduled-property coverage (items listed individually on the policy at their real value), and Philadelphia Convention Center peak-cycle business-interruption exposure. We rebuilt the program to put the ordinance-and-law rebuild scope and the scheduled wine-cellar coverage at the center rather than as generic bolt-ons.

Cocktail bar plus small plates, 2,400 sf, 70 seats plus 12-seat bar, $42 average ticket, 21 staff, PLCB R license plus Late Hour endorsement, late-hours operation. Operator came to us with their existing program from a prior broker after a 47 P.S. § 4-497 "visibly intoxicated" claim had been filed — a patron served during a 75-minute window during weekend peak was ejected at 1:30 a.m., causing a single-vehicle accident five blocks away. Discovery focused on RAMP certification records and transaction history. A concurrent winter ice-retention slip-and-fall premises-liability claim surfaced from a separate incident the same season — neither exposure had been re-scoped in the inherited program.

We re-read the operator's RAMP certification cadence plus POS-transaction records plus winter snow-removal and inspection documentation on video. We surfaced the "visibly intoxicated" the defense against the transaction record and rebuilt the premises program against Pennsylvania's modified comparative-negligence framework, where inspection and snow-removal documentation drives the apportionment.

Multi-unit fast casual (single location of 5 in Pennsylvania), 1,950 sf, 48 seats, $14 average ticket, 17 staff, no alcohol, chain at 280-plus locations nationwide (above Philadelphia Fair Workweek 30-location threshold but unit is in Montgomery County, not Philadelphia city). First-time policy review: the standard package the operator was running had not been scoped to Montgomery County venue reality. A slip-and-fall in the customer area triggered a Restatement § 343 premises-liability claim under Pennsylvania common-law framework — Montgomery County venue patterns drove settlement above standard primary coverage expectation. A concurrent PHRA discrimination claim surfaced from a former employee; Pennsylvania Human Relations Act covers employers with 4-plus employees and the 2018 PHRC gender-identity guidance applied, neither of which the standard package had been built to address.

We re-read the operator's inspection-record protocol on video — Restatement § 343 common-law negligence framework, Montgomery County moderate-elevated venue, PHRA discrimination scope at the 4-employee threshold, Philadelphia Fair Workweek non-applicability to Montgomery County units. We rebuilt the premises-liability coverage against Montgomery County venue plus PHRA-specific EPLI scope.