What is the maximum seating capacity for Limited Cooking restaurants to qualify for a BOP?

To qualify for a Businessowners Policy (BOP) as a Limited Cooking restaurant, the maximum seating capacity is indeed 75. This limit is part of the criteria that insurers use to determine the eligibility of certain businesses for simplified insurance solutions under the BOP.

Limited Cooking restaurants typically do not have extensive cooking facilities; they may focus on pre-prepared foods or minimal cooking appliances. By capping the seating at 75, the insurance policy is tailored to smaller operations that might not have the same risk exposure as larger establishments. Thus, understanding this specific limitation is crucial for adjusters and restaurant owners who seek to ensure they have appropriate coverage while also complying with the stipulations required by insurers.

Knowing this limit helps in assessing coverage options and ensures that businesses can operate with the right amount of risk management, ultimately leading to a smoother claims process and better protection for their assets.