Restaurants & Fine Dining

CAI knows that superior service is the foundation of successful family-style and fine dining restaurants. That is why we are committed to offering you the broad coverages and great rates you deserve.

With our program for restaurants, you can enjoy all of the toppings at little extra cost to you, and a payment plan that works with your cash flow.

We offer a variety of property and liability protection options to provide you with the flexibility to tailor the insurance program to your business.


Meet Your CAI Partner

Andrew Mercurio
Phone: 513.221.1140

Andrew Mercurio is originally from Cincinnati, Ohio. In Cincinnati, he formed his love for the Bengals, Reds, and Bearcats. He is also a proud Alumni of Moeller High School. After graduating from high school, Andrew attended Warren Wilson College in Asheville, NC.  It was here that he met his future wife and fell in love with the Blue Ridge Mountains.

Andrew now resides in Asheville, NC with his wife, son, and daughter. When he is not working, he can be found coaching basketball for one of his kids. He also is an avid mountain biker, and loves to spend time in the woods. Andrew and his wife also enjoy the Asheville food and entertainment scene.

Andrew and CAI have extensive experience with restaurants. They have experience with a wide variety of restaurants all over the country.  Andrew and his team will develop an insurance program that specially tailored to your business.

Organizations Involvement

  • Asheville Independent Restaurants
  • Rotary Club


Services Offered

Employee Benefits Packages

Commercial Property

  • Personal effects and property of customers, including theft
  • Accidental discharge of automatic cooking protection systems
  • Spoilage of refrigerated property in the event of a power failure
  • Back-up of sewers and drains
  • Computers and media
  • Employee dishonesty
  • Seasonal increase of business personal property limit of insurance
  • Credit card slips
  • Fine arts
  • Extra expense
  • Outdoor signs
  • Ordinance or law
  • Equipment breakdown

Customized Protection with Options

  • Contamination shutdown coverage
  • Liquor liability
  • Commercial Automobile — when purchased, the program automatically provides the following:
    • Blanket additional insureds
    • Hired car physical damage
  • Workers Compensation
  • Commercial Umbrella
  • Crime insurance & fidelity bonds
  • Wide range of deductibles
  • Crisis Response
  • Fine wine valuation, to help cover the true market value for your fine wine inventory

General Liability

We give you the broad liability coverage your business demands, including:

  • Bodily injury and property damage
  • Medical payments
  • Products liability
  • Additional insureds
  • Fire damage legal liability, including fire, lighting, and explosion

Contact Andrew Mercurio at 513.221.1140 or