Any restaurant that stores customer or employee data, uses POS systems, or operates online ordering or marketing platforms faces cyber exposures that traditional commercial policies often do not cover. ProHost USA offers a tailored Restaurant Cyber Liability Insurance program designed specifically for the food service industry. The program helps protect restaurants from the financial and reputational impacts of data breaches, privacy violations, ransomware, and other cyber-related incidents.
Ideal Accounts and Appetite
ProHost's Restaurant Cyber Liability Insurance program fits a broad range of food service operations, including:
- Full-service and fine dining restaurants
- Fast-casual and quick-service chains
- Catering companies and food delivery operations
- Multi-location franchises and independent establishments
Accounts that process customer credit card transactions, maintain employee health or payroll records, or run online ordering and delivery platforms are particularly well-suited for this program.
Example scenarios you can place through this program:
- A three-location fast-casual chain using a third-party online ordering provider that needs coverage for a potential cardholder data breach and notification costs.
- A single-location fine dining restaurant that stores employee payroll and health records and wants protection against privacy violations, regulatory defense, and crisis management.
Coverage Highlights and Advantages
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Security & privacy liability – coverage for data theft, unauthorized access, transmission of malware, and violations of privacy rights.
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Multimedia liability – protection for online content exposure such as alleged defamation, slander, or intellectual property infringement.
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Regulatory defense – pays legal costs and potential fines arising from regulatory inquiries following a cyber event.
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Crisis management – covers customer notification, credit monitoring, public relations, and advertising expenses to limit reputational harm.
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Data extortion – reimbursement for extortion payments and expenses related to negotiating and responding to ransomware demands.
This program is intended to fill gaps often left by commercial property and general liability policies by focusing on intangible assets and cyber events specific to restaurants.
Underwriting Notes and Minimum Premiums
The program is placed on a non-admitted basis through various carriers. Typical underwriting considerations include the size and complexity of the operation, how customer payment data is processed and stored, use of third-party POS or ordering vendors, PCI practices, and existing cybersecurity controls and incident response planning. The minimum premium starts at $500, making the program accessible for both small single-location operations and larger multi-unit risks.
Territories and Availability
ProHost writes this program in over 45 states, including but not limited to CA, TX, NY, FL, and IL. Availability is broad, giving you placement flexibility for restaurant clients operating in most U.S. jurisdictions.
Why Work With ProHost USA
As a program administrator focused on hospitality, ProHost USA understands the operational realities and cyber exposures unique to restaurants. Agents benefit from targeted coverage forms, experienced underwriting that understands POS and vendor risks, and responsive service for placement and claims support. Whether you are placing a single-location bistro or a growing franchise, ProHost provides specialized capacity and underwriting expertise tailored to the food service industry.
Contact ProHost today for all your Restaurant Cyber Liability Insurance risks!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for restaurants of all sizes—including full-service, fast-casual, and multi-location franchises—that handle customer data, accept credit cards, or operate online ordering platforms.
Is the coverage admitted or non-admitted?
The Restaurant Cyber Liability Insurance program is written on a non-admitted basis through various carriers.
What is the minimum premium for this program?
The minimum premium starts at $500. Final pricing is based on the size of the operation and its cyber risk profile.
Which states is the program available in?
The program is available in over 45 states, including CA, TX, FL, NY, IL, and many others.
What makes ProHost USA different from other providers?
ProHost specializes in hospitality risks and offers cyber liability solutions specifically for restaurants, supported by underwriters experienced with POS systems, vendor relationships, and hospitality operations.
Need help placing an account? Connect with a market specialist.