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ProHost USA, Inc.
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ProHost USA, Inc.
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Fast Casual Restaurant Insurance

The Fast Casual Restaurant Insurance program from ProHost USA, Inc. is specifically designed for restaurants that do not offer full table service but provide a higher quality menu and dining experience than traditional fast food establishments. This tailored program is ideal for both franchise and independent fast casual operations. Please note: traditional fast food restaurants are not eligible.

ProHost USA, a trusted program administrator with deep expertise in restaurant insurance, has developed this program to meet the unique needs of fast casual dining concepts. Whether your client is launching a new venture or managing an established brand, this program offers flexible and comprehensive coverage solutions.

Ideal Accounts and Appetite

This program is best suited for:
  • Fast casual restaurants offering counter service with high-quality food and atmosphere
  • Franchise and non-franchise restaurant brands
  • New ventures operated by experienced restaurant owners or managers
Examples of good fits include gourmet burger chains, artisanal pizza shops, upscale salad bars, and ethnic fusion eateries with a modern, quick-service format.

Coverage Highlights and Advantages

  • Comprehensive package policy tailored to fast casual restaurants
  • Liquor liability included (where applicable)
  • Workers’ Compensation, Employment Practices Liability Insurance (EPLI), and Umbrella coverage available
  • Optional Cyber Risk Insurance in most states
  • Fast quote turnaround with responsive and knowledgeable underwriting
Coverage is written through various admitted carriers, ensuring quality and compliance across all available states.

Underwriting Notes

The program welcomes submissions for both new and established fast casual operations as long as the ownership or management team has relevant experience. Underwriters at ProHost USA have extensive restaurant industry knowledge, allowing them to assess risk accurately and respond quickly to your submissions.

Territories and Availability

This program is available in all 50 states and Washington, D.C. Coverage is written on an admitted basis through a variety of trusted carriers, giving agents confidence in both availability and service quality.

Why Work With ProHost USA, Inc.?

ProHost USA, Inc. specializes in restaurant insurance and brings decades of underwriting experience to the table. With a strong focus on niche dining sectors like fast casual, their team understands your clients’ exposures and delivers solutions designed for the realities of modern restaurant operations. You benefit from fast turnaround, competitive coverage options, and access to a stable of admitted carriers.

Frequently Asked Questions

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

This program is ideal for fast casual restaurants that offer quick service and high-quality food but do not provide full table service. Both independent locations and franchises are eligible.

Are brand new restaurants eligible?

Yes, new fast casual ventures are eligible if they are operated by experienced restaurant owners or managers.

Does this program include liquor liability coverage?

Yes, liquor liability coverage is available when applicable to the restaurant's operations.

Is Cyber Liability coverage included?

Cyber Risk Insurance is available in most states as an optional add-on to the program.

What states is this program available in?

The program is available in all 50 states and the District of Columbia through admitted carriers.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    12%
  • Min Premium:
    -

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ProHost USA, Inc. has other insurance programs like Catering Insurance.