fine dining

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Fine dining restaurateurs are experts at procuring, creating and presenting only the finest, high-quality products, dishes, ambiance and experiences. Therefore, the cookie-cutter, casual dining restaurant insurance program will not be sufficient. Fine dining presents unique risks that must be addressed by a specific program. Turn to Midlands to be certain that your distinguished, highly-successful clients are completely satisfied.


  • General liability
  • Employers practices liability
  • Business income – subject to coastal wind exclusions
  • Food contamination
  • Spoilage
  • Assault and battery
  • Equipment breakdown
  • Defense outside the limit of liability
  • Liquor liability – package or mono-line
  • Property – subject to coastal wind exclusions
  • Medical payments
  • Valet parking
  • $1,000,000 hired and non-owned auto liability


  • A.M. Best rated “A”  or better carriers
  • Competitive pricing and commissions
  • Innovative coverage options designed with the needs of fine dining establishments in mind
  • Entertainment limited to acoustical, trios and jazz combos
  • Fast turnaround


Email the following to


Nicholas Allemand
(972) 588-2004