Restaurant Insurance in Utah

Single-unit destination fine dining, 3,800 sf, 65 seats, $210 average ticket, 36 staff, Full Service Restaurant License, premium wine and spirits program purchased through the DABS framework. Operator came to us at renewal of an existing program from a prior broker. The renewal program carried lost-income coverage built on prorated annual averaging — bound off the prior dec page across multiple cycles without anyone scoping it for Park City's ski-season concentration — and it had no business-continuity scope for a DABS license suspension. A January kitchen fire during peak ski season and Sundance Festival week then drove a multi-week partial closure, and a DABS 70% food-revenue compliance audit surfaced during phased reopening on receipt-categorization questions.

We re-read the operator profile on video — lost-income coverage sized to actual ski-season concentration with an extended-period-of-indemnity provision, business-continuity scope for a DABS license-suspension scenario, and a POS receipt-categorization protocol against the 70% food-revenue threshold. We rebuilt the program to put the seasonal and DABS reality at the center.

Cocktail bar plus small plates, 2,800 sf, 75 seats plus 14-seat bar, $40 average ticket, 22 staff, Bar License with alcohol-forward operation. Operator came to us at lease signing on a new Granary District location. The standard restaurant package the operator was about to bind carried generic liquor liability scoped without the Utah Dram Shop Act's statutory-cap and pre-suit-notice framework — the generic package treated Utah dram-shop exposure as a non-issue. A patron served during a weekend peak was later ejected and sustained an off-premises injury; the generic-package alternative would have left the procedural defense unscoped.

We re-read the operator's documentation discipline on video before binding — server-training cadence, ID-verification protocol, refusal-of-service incident logs, and the pre-suit-notice and statutory-cap procedural framework the Utah Dram Shop Act runs on. We rebuilt the program against the § 32B-15 framework with the documented defense protected.

Multi-unit fast casual (single of 6 in UT), 1,900 sf, 50 seats, $13 average ticket, 17 staff, no alcohol, dine-in plus takeout plus third-party delivery. Operator came to us at acquisition — taking over a 6-unit Utah chain from previous ownership. The acquired program from the previous broker carried generic premises-liability coverage sized as if Utah were a joint-and-several state, without reference to the Liability Reform Act's non-joint apportionment framework. A slip-and-fall in the customer area drove a premises-liability claim, and a concurrent discrimination claim surfaced from a former employee under the 2015 UADA protected-class expansion.

We re-read the multi-unit operator profile on video — premises liability against the Utah Liability Reform Act non-joint apportionment framework, inspection-record discipline across all 6 units, and employee-claim coverage scoped to the Utah Antidiscrimination Act including the 2015 sexual-orientation and gender-identity expansion.