Overview of the Program from U.S. Risk Insurance Group, Inc.
U.S. Risk Insurance Group, Inc. offers a dedicated Multi Unit Restaurants Workers Compensation Insurance program designed for multi-location restaurant operators. This managing general agency program places admitted, guaranteed-cost workers’ compensation with Zurich in North America and is oriented toward franchise groups, multi-unit owners, and restaurant chains that need a consistent, centralized WC program across multiple locations.
Ideal Accounts and Appetite
- Multi-location restaurant owners and franchisors with consistent operations across units
- Full-service restaurants, fast-food concepts, and restaurant-bars under single ownership or centralized management
- Groups with established loss history and payroll reporting controls
Accounts that typically fit: multi-unit operators with formal payroll & safety processes, reliable reporting, and multi-year loss history. New ventures are considered but require owner resumes and stronger underwriting review.
Coverage Highlights and Advantages
- Admitted, guaranteed-cost workers’ compensation placement through Zurich in North America
- Program geared to centralize WC for multi-unit restaurant operations and simplify premium distribution across locations
- Flexible experience rating acceptance (.65 to no maximum) to reflect historical performance
- Underwriting focused on loss control and consistency—helps standardize coverage and claims handling across units
Class Codes
- 9082 — Restaurant NOC
- 9083 — Restaurant Fast Food
- 9079 — Restaurant code for certain states
- 9084 — Restaurant Bar, Discotheques
Underwriting Notes and Submission Requirements
- ACORD 130 workers’ compensation application required
- Four years of loss runs, including the current year, valued within the last 90 days
- Financial statements for the last two years are required for submissions with premium estimated at $350,000 or greater
- Experience rating factor: .65 to no maximum
- Loss ratio: underwriting review considers a three-year loss ratio (excluding current year); typically favorable results are expected to be 60% or less
- Provide historical aggregate payrolls by year for the prior four years
- New ventures: submit owner/operator resumes and background information
Territories and Availability
This program is available on an admitted basis through the states listed below. Availability may vary by state and is subject to underwriting guidelines.
Available in: AL, AZ, AR, CO, CT, GA, IL, IN, KS, LA, ME, MS, MO, MT, NE, NH, NC, OK, RI, SC, SD, TN, TX, DC.
Why Work with U.S. Risk Insurance Group, Inc. for Multi-Unit Restaurants
- Specialized appetite for multi-location restaurant exposures and the operational controls they require
- Access to an admitted Zurich paper—useful for agents seeking admitted placements for clients who prefer state-filed coverage
- Underwriting emphasis on consistent reporting, payroll transparency, and loss control that supports better pricing for stronger accounts
- Program structure supports centralized premium handling and helps agents present a single workers’ compensation solution to multi-unit clients
Example Account Scenarios
- You have a 12-unit fast-food franchise system with consolidated payroll reporting and three years of stable loss runs — this program can provide admitted, guaranteed-cost WC across the system.
- You represent a regional restaurant group that operates both full-service dining and bar/nightlife locations. With proper class code segregation and historical payrolls, the program can cover mixed operations under one carrier relationship.
Underwriting & Submission Tips
- Include ACORD 130 and four years of loss runs up front to speed review.
- If premium is expected to be near or over $350,000, attach the last two years’ financial statements.
- Provide a clear payroll breakout by location and class code to avoid adjustments at audit.
- If the account is a start-up or recently expanded chain, include owner/operator resumes and a brief operating plan.
Frequently Asked Questions
What types of restaurant operations are a good fit for this program?
Multi-unit operators—fast food, full-service restaurants, and restaurants with bar/nightlife operations—are the primary targets. The program favors accounts with consistent operations and reliable loss history and payroll reporting.
Which class codes are accepted?
Common accepted class codes include 9082 (Restaurant NOC), 9083 (Restaurant Fast Food), 9079 (state-specific restaurant code), and 9084 (Restaurant Bar, Discotheques).
What documents are required to start underwriting?
Submit an ACORD 130, four years of loss runs (including the current year, valued within 90 days), and four years of aggregate payrolls. Financial statements are required if estimated premium is $350,000 or greater. New ventures should include owner resumes.
Is the program available nationwide?
The program places admitted business and is available in the states listed above. Availability and terms are subject to state filing and underwriting review.
Need help placing an account? Connect with a market specialist.