A Taste of What we Have to Offer Your Clients

SterlingRisk Programs has managed national risk purchasing groups for over 30 years. Our Coalition of Restaurants and Fine Dining Establishments (CRAFDE) was designed for Fine Dining, Fast Food, and Casual & Family Restaurants.

Program Highlights

Who Can We Protect?

Broad Range of Restaurants:

  • Fine Dining — White table cloth (steak, seafood, higher priced meals)
  • Family / Casual — Buffet, ethnic cuisine, cafeteria
  • Fast Food — Sandwich and salad shops, carry outs, franchises, pizza

Ineligible Classes:

  • Bars
  • Sport bars
  • Dance floors
  • Country clubs
  • Food trucks
  • Concert venues
  • Seasonal operations
  • Pubs or restaurants with liquor sales greater than 50%
  • 24 hour restaurants
  • 24 hour drive thru establishments

Why CRAFDE?

  • No shared limits — aggregate per location
  • Competitive product offering
  • Personal excess liability available for principals (min. underlined $5 Million)
  • Follow form auto liability, abuse, assault, non-intentional discrimination, liquor
  • Most favorable venue
  • Liquor sales above 30% can be reviewed / exceptions
  • Catering above 25% on / off premises can be reviewed / exceptions
  • Limited delivery according to establishment