They require that an operative ansul system be installed. A "wet" system is preferred, but a "dry" system is acceptable in many instances. Property coverages are available in fire protection classes 1 through 10. Non-Owned auto coverage can be purchased, but it is expensive. This coverage is for the restaurant that delivers food using an employee's vehicle and not a vehicle owned by the restaurant. Call or e-mail any of our offices below with your inquires and we will respond within in two working days.