The Ramen Restaurant Program

As part of a global initiative to provide leading insurance products, Arrowood Insurance Services, Inc. in partnership with Mitsui Sumitomo Insurance Group (MSIG) supports its clients with customized services and solutions. The Ramen Restaurant Program offers a comprehensive and competitive coverage solution, as well as the attention and dedicated focus that our clients need to effectively manage their unique risks.

Available Lines Of Coverage

  • Property
  • General Liability
  • Liquor Liability
  • Commercial Auto
  • Worker’s Compensation
  • Excess & Umbrella Liability

Key Highlights

  • Admitted Paper in all 50 States
  • A+ Rating by A.M. Best Company
  • High Quality Risk Engineering Services
  • Internal Claim Handling Services
  • Competitive Pricing for Quality Risks


Additional Coverages

Debris Removal
Covered Property (Other than Electronic Data Processing
Equipment and Electronic Data)
Electronic Data Processing Equipment and Electronic DataUnlimited
Pollutant Clean Up and Removal$25,000
Increased Cost of Construction$25,000
Extra Expense$50,000
Consequential Damage$10,000
Deferred Payments$25,000
Claim Expenses$25,000

Coverage Extensions

Newly Acquired or Constructed Property Increased Limit
Building$1,000,000 (ea bldg) (180 days)
Personal Property (Other than Electronic Data
Processing Equipment and Electronic Data)
$500,000 (ea bldg) (180 days)
Electronic Data Processing Equipment and
Electronic Data, including duplicates or
$50,000 (excluding virus)
Electronic Data, including data duplicates$2,500 (including virus)
Property Off-Premises$50,000
Money and Securities$10,000
Brand and Label$25,000
Salesperson’s Samples$1,000
Outdoor Signs (Detached or Attached to Building)$10,000
Arson Reward$25,000

Additional General Liability Coverages


Summary of Coverage:

  • Broad Form Named Insured
  • Non-owned Watercraft
  • Property Damage - Property Loaned to You
  • Property Damage Liability - Elevators
  • Damage to Premises Rented to You
  • Personal and Advertising Injury Assumed by Contract
  • Medical Payments - Increased Period 3 Years
  • Supplementary Payments - Increased Limits
  • Cost of Bail Bonds Up to $2,500 Loss of Earnings Up to $500 Per Day
  • Automatic Additional Insureds by Contract, Agreement or Permit
  • Who is an Insured Redefined - Fellow Employee Coverage and Incidental
  • Medical Malpractice
  • Duties in the Event of Occurrence, Claim or Suit Redefined
  • Unintentional Failure to Disclose all Hazards
  • Waiver of Transfer of Rights of Recovery Against Others to Us
  • Liberalization
  • Bodily Injury Redefined
  • Insured Contract Redefined
  • Mobile Equipment Redefined (This provision is not applicable in
  • New York or Virginia)
  • Personal and Advertising Injury Redefined
  • Additional Definitions
  • Cancellation Condition

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Thank you!

DISCLAIMER MSIG insurers are subsidiaries of Mitsui Sumitomo Insurance Company, Limited, a member of MS & AD Insurance Group. MSIG refers to the insurers underwriting coverage: Mitsui Sumitomo Insurance Company of America; Mitsui Sumitomo Insurance USA Inc.; and MSIG Specialty Insurance USA Inc. Not all insurers do business in all jurisdictions. Actual coverage is subject to the language of the policies as issued. The insurers are managed by Mitsui Sumitomo Marine Management (U.S.A.), Inc. with offices at 15 Independence Boulevard, P.O. Box 4602, Warren, NJ 07059-0602, USA.
NOTICE The information contained herein is intended for informal reference use only. In questions of authority reference, the official state legislative and regulatory documents should be consulted.