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CoEfficient Underwriters
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CoEfficient Underwriters
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Restaurant Insurance Program

Nationwide Restaurant Insurance Program
Guaranteed Cost and Alternative Risk Options Available
 
CoEfficient Underwriters offers a specialized Restaurant Insurance Program designed for best-in-class restaurant operations with a strong focus on safety, risk management, and loss control. As a wholesale broker, CoEfficient Underwriters partners with multiple carriers—including an "A+ XV" AM Best rated insurance carrier—to deliver robust coverage options and customized solutions for restaurants across the nation.
 

Ideal Accounts and Appetite

This program targets well-managed restaurant businesses that demonstrate a strong commitment to safety protocols and operational excellence. Eligible accounts include:
  • Franchisees of national and regional restaurant brands
  • Franchisors seeking comprehensive risk solutions for their networks
  • Independent operators with established safety practices and stable loss histories
Whether your client runs a fast-casual chain or a full-service dining establishment, this program is designed to support a wide range of restaurant models that meet underwriting criteria.

Coverage Highlights and Advantages

The Restaurant Insurance Program provides access to essential coverages tailored to the specific risks of the foodservice industry, including:
  • Workers' Compensation
  • Property Coverage
  • General Liability
  • Automobile Liability
Key advantages of the program include:
  • Unbundled, customizable claims and loss control services
  • Individual account underwriting to address unique exposures
  • Access to high-quality carriers rated "A+ XV" by AM Best
  • Both guaranteed cost and alternative risk financing structures available

Underwriting Notes and Minimum Premiums

This program is built for mid-sized to large restaurant operations, with a $50,000 multi-line minimum premium requirement. Each submission is individually underwritten, allowing flexibility and customization based on the insured’s operations, loss history, and safety practices.

Territories and Availability

The Restaurant Insurance Program is available in all 50 states and Washington, D.C. Admitted and non-admitted options are available, depending on the state and carrier selected. This broad availability makes it easy for agents and brokers to place multi-state or regional accounts through a single source.

Why Work With CoEfficient Underwriters?

As a wholesale broker with nationwide reach, CoEfficient Underwriters brings deep industry knowledge and exclusive market access to the table. Their restaurant program is designed to make it easy for agents and brokers to place complex risks while providing top-tier service and support. From customized loss control services to flexible underwriting, CoEfficient Underwriters delivers a competitive edge for your restaurant clients.
 

Frequently Asked Questions

What types of restaurant accounts are a good fit for this program?

This program is best suited for franchisees, franchisors, and independent operators with strong safety practices, stable loss histories, and a multi-line premium of at least $50,000.

What coverages are included in the Restaurant Insurance Program?

Available coverages include Workers' Compensation, Property, General Liability, and Auto Liability. Additional coverages may be available depending on the account.

Is this program available in all states?

Yes, the program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the carrier and state.

Are alternative risk financing options available?

Yes, in addition to guaranteed cost structures, alternative risk options are available to qualified accounts.

What carriers are part of this program?

The program includes access to multiple insurance carriers, including one rated "A+ XV" by AM Best.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available Markets
  • Carriers:
  • Carrier Ratings:
    A+ XV
  • Commission:
    Varies
  • Min Premium:
    $50,000

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CONTACT INFORMATION

LOCATION

3333 Warrenville Road, Suite 200
Lisle, IL 60532
847-686-0029
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APPLICATIONS

    • Acord Applications
    • 5 Year Loss Runs (valued within 90 days)
    • 5 Year historical Exposures and Premium
    • Experience Modification Worksheet
    • Details on losses greater than $25,000
    • 2 Year Financial Statements
    • Supplemental Application

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CoEfficient Underwriters has other insurance programs like Human Services Insurance Program.