Overview of the Program From ProHost USA
The Fine Dining Restaurant Insurance program is designed to meet the complex needs of high-end restaurants that focus on exceptional culinary experiences, premium wine and spirits, and elevated customer service. Whether your client operates a single-location bistro or a well-known fine dining destination, this program offers the coverage flexibility and underwriting expertise needed to protect against industry-specific risks.
Ideal Accounts and Appetite
ProHost USA is focused on insuring full-service fine dining establishments that typically feature:
- Table service with waitstaff
- Upscale menus and premium pricing
- Liquor, wine, and craft cocktail service
- Chef-driven or specialty cuisine concepts
Start-up restaurants with experienced ownership or management teams are eligible. Risks with strong management practices, clean loss history, and attention to safety procedures are ideal candidates for this program. Quick service, casual dining chains, or fast food concepts are not the target for this product.
Coverage Highlights and Advantages
The program offers a comprehensive package with essential and enhanced coverages, including:
- Liquor liability coverage built into the package policy
- Workers’ Compensation, EPLI, Auto, and Umbrella available
- Cyber risk insurance available in most states
- Enhanced property protection, such as sewer and drain back-up and business interruption coverage for off-premises power outages
- Fast quote turnaround from experienced restaurant underwriters
This program is designed to protect against a wide range of exposures unique to fine dining operations, from liquor-related liabilities to business interruption risks.
Underwriting Notes and Minimum Premiums
The program welcomes both established and new ventures, provided the ownership or management has prior restaurant experience. Underwriting is handled by a team familiar with restaurant operations, allowing for informed decisions and efficient processing. While minimum premiums may vary by risk and location, the program is competitively priced for its class.
Territories and Availability
The Fine Dining Restaurant Insurance program is available in most states across the U.S., including but not limited to CA, FL, NY, TX, IL, and GA. Coverage is written through various admitted carriers, providing both reliability and compliance in all available states.
Why Work With ProHost USA
With decades of experience in the restaurant insurance niche, ProHost USA understands the unique challenges faced by fine dining establishments. Agents and brokers benefit from:
- Dedicated underwriters with restaurant expertise
- Access to admitted carriers with strong financial ratings
- Customized coverage solutions for complex risks
- Responsive service and fast quote turnaround
If you're working with a client opening a new French bistro with an experienced chef-owner or placing coverage for a long-standing fine dining restaurant with an extensive wine list, this program offers the specialized protection needed to safeguard their operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Upscale, full-service restaurants with table service, liquor sales, and experienced management are ideal. New ventures with prior restaurant experience are also eligible.
Is liquor liability included in the coverage?
Yes, liquor liability is included in the comprehensive package policy offered through this program.
Can I submit a new restaurant that hasn't opened yet?
Yes, new restaurant ventures are eligible if the owners or managers have prior experience in the restaurant industry.
What additional coverages are available?
Optional coverages include Workers’ Compensation, EPLI, Auto, Umbrella, and Cyber Risk insurance (available in most states).
How quickly can I expect a quote?
ProHost USA offers fast quote turnaround, thanks to a team of experienced underwriters who specialize in restaurant risks.
Need help placing an account? Connect with a market specialist.