Full-service restaurant and bar, Austin TX. 6 years under current ownership, $1.24M revenue. Full bar programme — liquor revenue declared at 42% on ACORD 125. Live acoustic music Fri–Sat, max occupancy 180. One prior GL claim: S&F settled $8,500 (March 2023, remediation noted). No delivery operations.
Revenue
$1.24M
Liquor rev
~42%
Occupancy
180
Yrs operating
6
Prior claims
1 ($8.5k)
State
TX
Blocking items0 of 8 resolved
Must clear — blocks quoting
8 items
Liquor revenue 42% — mandatory refer band (35–50%)
Appetite
▼
Liquor revenue declared at 42% on ACORD 125 p.2. This falls within the mandatory refer band (35–50%) — Senior UW acknowledgment required before quoting.
📋 GL Appetite §3.1 · Liquor Exposure
"Liquor revenue between 35% and 50% requires written acknowledgment from a Senior Underwriter before a quote can be issued."
Live entertainment + occupancy 180 — refer threshold >150
Appetite
▼
Both conditions are met: live entertainment confirmed on supplemental app (95% confidence) and max occupancy of 180 extracted from ACORD 125 p.2 — above the 150-person refer threshold. Security programme and entertainment details require review before quoting.
Prior carrier reason for market change — blank on ACORD 125
Appetite
▼
ACORD 125 Section 3 "Reason for Market Change" is blank. Non-renewal by a prior carrier for underwriting reasons is a mandatory referral. Could indicate adverse loss history, coverage disputes, or appetite issues not reflected in the submitted loss run. Must be disclosed and reviewed before quoting.
📋 GL Appetite §2.3 · Prior Insurance Disclosure
"Prior carrier cancellation or non-renewal for underwriting reasons is a mandatory referral. Reason must be documented before quoting."
Liquor liability coverage gap — no separate policy confirmed, CGL excludes dram shop
Coverage
▼
This CGL excludes liquor liability (standard ISO dram shop exclusion). No standalone liquor liability policy has been confirmed. At 42% liquor revenue, uninsured exposure is material. Must confirm separate LL coverage exists or attach a liquor liability endorsement before binding.
"For insureds with liquor revenue ≥25%, evidence of separate liquor liability coverage or a liquor liability endorsement is required prior to binding."
A&B sublimit endorsement required — live entertainment + liquor ≥30%
Coverage
▼
Programme rules require a mandatory Assault & Battery sublimit endorsement when live entertainment and liquor revenue above 30% are both present. Both conditions are confirmed on this submission — endorsement must be attached before binding.
📋 UW Guidelines §7.4 · A&B Endorsement
"When both live entertainment and liquor revenue ≥30% are present, an A&B sublimit endorsement ($100K per occurrence) is required at binding."
Hood suppression certificate required — deep fryer present, not submitted
Coverage
▼
Deep fryer presence confirmed from business description (55% confidence). A current NFPA 96-compliant hood suppression inspection certificate is required at binding — this document was not included in the submission package. Request directly from insured; certificate must be dated within 12 months.
📋 UW Guidelines §5.1 · Fire Suppression
"A current NFPA 96-compliant hood suppression inspection certificate dated within 12 months is required at binding for all insureds with deep fryers."
📎 Hood Suppression Certificate — not submitted · required before binding
Additional insured — landlord not listed, tenancy confirmed
Coverage
▼
Supplemental application confirms the insured is a tenant at 4821 Harbor View Blvd. No additional insured endorsement for the building owner has been submitted. Standard commercial leases require the landlord be named as additional insured. Obtain landlord name and add AI endorsement before binding.
"Commercial tenants must provide an AI endorsement naming the property owner. Required at binding unless insured owns the premises."
Loss run covers only 2 years — 3 years required by programme
Documentation
▼
The submitted loss run covers March 2023 to present — approximately 2 years. Programme guidelines require a full 3-year loss run. The missing year (2022–2023) could contain unreported claims.
Flagged — review before quoting
not blocking
6 items
Bar / nightclub concept detected in business description — high confidence
Appetite
▼
"…gastropub with rotating cocktail menu…bar programme central to evening experience…service until 2am weekends…"
AI Assist corroborates: Yelp and Google describe the business as "craft cocktail bar with food" — menu lists Bar Menu before Food Menu. 🌐 Yelp listing🌐 Google Maps
Closing time discrepancy — Google shows 2am Fri/Sat, application states midnight
External
▼
A 2-hour gap on peak nights is material for A&B exposure. Late closing corroborates the bar-forward concept finding.
2 recent reviews mention crowding and a fall incident near the bar
External
▼
Yelp Oct 2025: "gets dangerously packed on weekends, someone fell near the bar." Google Feb 2026: "very crowded after 11pm." Consistent with the 1 prior S&F claim on record.
Broker's submission email references catering at ~8% of revenue. The ACORD 125 "Off-premises catering" checkbox is unchecked. Direct conflict between two sources — off-premises catering affects GL exposure and may require an endorsement. Clarify before rating.
Indoor seating capacity not declared — premises rating may be estimated
Documentation
▼
Max occupancy (180) was extracted but indoor seating capacity — used for GL premises rating — was not found in any submitted document. Occupancy and seating are distinct fields. Premium has defaulted to an estimate; confirm actual seating for accurate rating.
HNOA exposure unaddressed — catering operations declared at 8% revenue
Appetite
▼
Catering at ~8% revenue creates potential hired and non-owned auto (HNOA) exposure if employees drive to catering events. This CGL does not include HNOA coverage. Confirm whether catering involves vehicle use and whether a HNOA endorsement is needed.
18 of 22 rules passed
All clear▶
Revenue & Exposure
Revenue $1.24M — within $300K–$10M appetite range
Pass
▼
No revenue-related flags.
No cover charge or ticketed events reported
Pass
▼
No concert venue or ticketed event trigger applied.
Operating History
6 years operating — above 2-year minimum
Pass
▼
Above the 1-year floor and 2-year refer band.
No ownership change in past 2 years
Pass
▼
Ownership continuity confirmed.
Claims History
1 claim in 3 years — below 3-claim frequency threshold
Pass
▼
1 slip-and-fall, $8,500 settled. Below frequency and severity thresholds.
Largest single loss $8,500 — below $50K severity flag
Pass
▼
No large-loss severity trigger applied.
No assault & battery claims on record
Pass
▼
A&B loss history check returned clean.
Geographic & Premises
State (TX) — within admitted footprint
Pass
▼
Texas is an approved state for this programme.
No multi-location or franchise structure declared
Pass
▼
Single-location operation. No franchise or multi-site trigger.
Health & Compliance
Health inspection 86/100 — no open violations
Agent
▼
County health portal: 86/100, no critical violations, no closures in 5 years.
Liquor licence active — no prior violations
Agent
▼
Texas TABC licence current. No suspensions or violations on record.
No adverse news — local archives clean (3yr)
Agent
▼
No incidents, violations, or closures found in local news archives.
Programme Fit
ISO class 58021 — eligible for programme
Pass
▼
Class code confirmed eligible for Meridian Specialty Restaurant CGL programme.
No delivery operations — no TNC endorsement needed
Pass
▼
No delivery revenue declared. TNC exclusion endorsement not required.
External checksLicence & health clean▶
Liquor licence ACTIVE — Texas TABC, no violations or suspensions. 🌐 TABC Registry
Health inspection 86/100 — No open violations. No closures in 5 years. Last inspection March 12, 2026. 🌐 County Health Portal
No adverse news or assault incidents in local archives, past 3 years.
On-demand checks
Broker Questions
Check to include · 3 selected
Required — must ask before quoting
What % of gross revenue is from alcohol sales? Is a separate liquor liability policy in force?
RequiredAlcohol Revenue Breakdown
▶ Rule & source
Rule: IF serves_alcohol = TRUE
Describe the entertainment programme: type, frequency, peak occupancy, cover charge, dance floor dimensions.
RequiredLive Entertainment
▶ Rule & source
Rule: IF live_entertainment = TRUE AND occupancy > 150
Signal-driven
Google shows 2am closing Fri/Sat — application states midnight. Confirm actual closing time.
Describe security: licensed officers on peak nights, cameras, ID verification, last-call policy.
SignalSemantic · Security
Missing fields
Provide delivery revenue % or confirm no third-party delivery platforms are used.
Missingdelivery_revenue_pct
▶ Source
What is the reason for the market change from the prior carrier? Was coverage cancelled, non-renewed, or is this a new venture?
RequiredPrior Carrier Disclosure
▶ Rule & source
Rule: reason_for_market_change = BLANK
Please provide the name and contact for the building landlord so we can issue an additional insured endorsement prior to binding.
RequiredAdditional Insured — Landlord
Please provide a complete 3-year loss run from the prior carrier. The submitted loss run covers only 2 years.
SignalLoss Run Completeness
Does catering involve transporting food or staff in vehicles? If so, please confirm whether employees use personal or business-owned vehicles for off-site catering events.
SignalHNOA Exposure
Please confirm the indoor seating capacity (number of seats) for rating purposes.
Missingseating_capacity
ACORD 125 shows off-premises catering unchecked but the submission references catering at 8% of revenue. Please clarify whether the insured conducts off-premises catering events.
SignalCross-field · Catering
Please describe the March 2023 slip-and-fall claim — circumstances, location, and what corrective action was taken to prevent recurrence.
SignalOperations · Loss Narrative
Draft email
To: Coastal Insurance Partners · Re: The Rusty Anchor Bar & Grill
0
Extracted
0
Low conf
0
Missing
From:sarah.bridges [at] coastalins.com
To:underwriting [at] meridianspecialty.com
Date:March 19, 2026 · 8:14 AM
Subject:New Submission — The Rusty Anchor Bar & Grill — CGL $1M/$2M
Attachments:
Hi,
Please find attached a new Commercial GL submission for your review.
Insured: The Rusty Anchor Bar & Grill
Address: 4821 Harbor View Blvd, Austin, TX 78701
Programme: Commercial General Liability — Restaurant
Requested Limits: $1,000,000 / $2,000,000
Effective Date: April 1, 2026
The insured operates a full-service gastropub and bar in central Austin. In business 6 years under current ownership, one prior GL claim (slip and fall, $8,500 settled, March 2023). Current Texas TABC licence. Live acoustic music Fri–Sat. Catering accounts for approximately 8% of revenue.
Please see attached ACORD 125, supplemental application, 3-year loss run, and current COI.
Best regards,
Sarah Bridges
Senior Account Manager — Coastal Insurance Partners