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FAQ
These are some commonly asked questions about City and Suburban Lifestyles Restaurant Insurance Market ("Lifestyles"). If you have a question that is not addressed here, please contact us.
1. I'm a restaurant owner. Can I work directly with Lifestyles if I'm interested in insurance?
Yes. Lifestyles deals with restaurateurs, food service professionals and insurance brokers. If you have a current broker that you have worked with, please feel free to have them contact us. If you don't have a broker, contact us and we will recommend one to you.
2. What clients are eligible for insurance through Lifestyles?
- Fine dining restaurants
- Family-style restaurants
- Establishments catering to a later-evening clientele serving fine wine, cocktails and a limited menu
- All restaurant types and related food services industries
3. What types of policies can Lifestyles write?
- Commercial Property
- General Liability
- Systems Breakdown (Boiler & Machinery)
- Umbrella Liability
- Workers Compensation
- Group Employee Benefits - Including Medical, Life, disability, Long Term Care...and more.
4. What is so special about Lifestyles' program?
- Our underwriting company insures some of the finest establishments across the country
- Broadest coverage in the marketplace
- Business Income - Actual Loss Sustained
- Liquor Liability - Available up to program limits
- No limitation for liquor sales for high end restaurants
- No Liquor receipt restrictions
- Comprehensive wine coverage available for expensive wine collections with options to insure: Selling Price, Stated Value or Replacement Cost
- Hired/Non Owned Coverage & Valet Parking Liability
- High Umbrella Limits
5. How are premiums paid?
- Premium Financing Available
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