Specialty Programs

Restaurants and Taverns
Residential Artisan Contractors

Restaurants and Taverns
Restaurant and Tavern Guidelines

• New ventures are eligible.

• 24 hour operations are acceptable.

• No frame construction (regardless of where it is located) unless the restaurant has been in business at least two years with prior carrier loss runs.

• No live entertainment if liquor sales are more than 50% of total sales. (Background dinner music, such as a piano player, is acceptable.)

• If liquor sales are less than 50% of total sales, incidental entertainment will be considered.

• No nightclubs.

• No diners with owned parking and entrance ramps.

• Restaurants located below grade must have a secondary means of egress.

• All restaurants must have a quarterly cleaning and maintenance contract for an automatic fire protection system that covers all cooking areas. This will be warranted on the policy.

• Liquor Liability is available.

• A NSIC Restaurant Application is required for all quotations.

Residential Artisan

A Residential Artisan Contractor is defined as a contractor that specializes in one specific trade who works primarily at residential and office locations.

Our program for Residential Artisan Contractors covers small contractors, such as those who perform:

• Air Conditioning and Heating

• Appliance Installation and Repair

• Arcade Equipment Installation and Repair

• Auto Glass Detailing

• Awning Installation and Repair (no work higher than two stories)

• Beer and Soda Tap Installation and Repair

• Carpet or Rug Cleaners†

• Closet Installation (prefab closets only)

• Concrete Construction

• Deck Installation and Repair

• Door Installation

• Driveway Paving and Sidewalks

• Drywall or Wallboard

• Electricians

• Fabric Installation

• Fence Erection†

• Fiberglass Insulation

• Floor Covering (carpet and tile only)†

• Furniture Repair

• Garage Door Installation and Repair

• Glaziers (no work higher than two stories)

• Golf Putting Green Installation, Repair and Maintenance

• Home Sound Equipment Installation

• House Furnishings Installation

• Interior Decorating†

• Kitchen Cabinet Installation

• Landscape Gardening (no tree pruning or spraying)

• Locksmith (no alarm installation)

• Marble, Tile or Stone Installation

• Masonry (no pointing, chimney work, waterproofing, foundation work or excavating)

• Molding and Trim Work

• Musical Instrument Repair

• Office Furniture Installation†

• Painting (interior only)†

• Partition/Sight and Sound Barrier Installation†

• Plumbers

• Sewing Machine Repair†

• Spackle/Plastering Contractors

• Stone Cutting and Installation

• Telephone System Installation and Repair (no pole work)

• Upholstery Cleaning

• Wallpapering

• Washer and Dryer Installation

• Window Treatment Installation

† Commercial work is acceptable for this trade

Contractors Program Guidelines

• Carpenters are not an acceptable class.

• All subcontracted work is excluded by endorsement in New York.

• NSIC has a limited contractual endorsement.

• Blanket additional insured coverage is not written.

• The Artisan Contractor Application must be submitted for all Residential Artisan Contractor accounts. This Application includes an addendum that requires the customer to recognize the exclusions on the policy.

Visit www.north-sea-ins.com/nsi-applications.html for our Restaurant/Tavern Application and Artisan Contractors Application.