^ Back to Top

Acord Application, I already have one filled out, can I use it? No, our guidelines require our app.  Using our app expedites the turnaround time. Call us if you want to ask if a risk might qualify before filling out an RCA Application.

Turnaround Time, when can I expect a quote?
We generally need two full days in house. We will always attempt to accommodate your request to rush a quote.

Quotes, how  will you advise me a quote is ready?
We email quotes out immediately upon completion.

I faxed/emailed an application and want to follow up on it, who do I call?
Call the regional  office servicing your state and ask for the Underwriting Department.  If you already have a quote and have a question, ask for the underwriter that signed your quote.

Workers’ Compensation, is it available?
No

Can I (the broker) underwrite and bind business?
No, all underwriting and binding authority rests with R.C.A., without exception.

Inspections, do you inspect the insured?
Yes, an annual inspection is done, beginning with year one.

Social Security Numbers, why do you require the shareholders SS number?
If the insured has a bad personal credit history we will decline writing a property policy.

Liquor/Dram  Liability coverage, is it available?
Yes, everywhere we do business we offer this coverage.

Assault & Battery, is this coverage available?
Yes, for both  CGL and Liquor.

Employment Practices Liability, is this coverage available?
No

^ Back to Top

Will you insure a business with apartments attached?
Yes, however, the units cannot exceed 4 and the floors are restricted to 3 stories. 

Do you write Nightclubs ?
Yes

Do you write a business with entertainment, ie: DJ, Bands and Dancing?
Yes

The bar has Karaoke on some evenings, is that ok?
Yes

The bar has security and bouncers, will you write it?
Yes but not in all of our programs.

Do you write a package policy for bars with 100% liquor sales?
Yes. We have markets that do not have a food to liquor allocation.

How much business experience must the owners have?
We require three years experience as a manager or owner. We do not require ownership experience. New business startups are ok if owner meets the personal experience requirement.

Admitted or Non-Admitted?
Our program is available on an Admitted and Non-Admitted basis in almost every state. 

Are your carriers rated?
Yes, A- or better by A.M. Best.

Premium, how do I pay it?
Agency bill, account current due 20th of the month.

^ Back to Top

Financing, is it available?
Yes, we can finance the premium through a third party company. You can finance through any company of your choice however, all finance premium checks must be made payable to Restaurant Coverage Associates, Inc. In the alternative, accounts financed outside of RCA can be bound with a 25% deposit.

Claims, who administers them?
Risk Control Associates is the TPA for all non nightclub claims. Risk is located in our main office in Clifton, NJ. For third party liability claims contact Schyler Kohl; for first party property claims contact John Prokop; both are located  in the Clifton, NJ.

Do you have a company personnel list by departments?
Yes, see Company Directory.

Do you write Retail Liquor Stores?
Yes

Do you write property on PC 9 buildings?
Yes

Do you offer Commercial Auto?
No

Will you write a business with delivery?

No, and we will not offer non-owned auto if they have delivery.

Do you offer non-owned or hired Auto?
We offer non-owned but not hired.  Neither is available if business has delivery.

Do you offer a BOP?
Yes.

Do you have any marketing materials for my agency?
No, we do not provide retail marketing materials. 

^ Back to Top