Restaurants Insurance
Overview of the Program From Abram Interstate Insurance Services, Inc.
Abram Interstate Insurance Services, Inc. offers a flexible and competitive Restaurants Insurance program designed specifically for independent agents and brokers looking to place food service accounts. Whether your clients are running a small café, casual dining restaurant, or a fast-paced takeout kitchen, this program helps protect them from common industry risks and exposures. As a Managing General Agency with access to multiple carriers, Abram Interstate provides solutions for hard-to-place or unique restaurant operations across Arizona, California, and Nevada.
Ideal Accounts and Appetite
This program is ideal for a wide range of dining establishments, including:
- Quick-service restaurants (QSRs)
- Family-style or casual dining establishments
- Takeout and delivery-focused operations
- Food trucks and mobile vendors (in some cases)
You might have a client who operates a late-night pizza shop with delivery drivers or a modern diner with a liquor license—both could be considered under this program. Businesses with unique risk profiles or prior claims history may also be eligible, depending on underwriting.
Coverage Highlights and Advantages
Abram Interstate’s Restaurants Insurance program covers a variety of critical exposures facing food service businesses. Key coverage highlights include:
- Assault & Battery: Protection against liability claims arising from altercations on the premises.
- Equipment Coverage: Coverage for kitchen equipment, refrigeration units, and other essential machinery.
Additional coverages may be available based on the specific needs of the insured and underwriting approval.
Underwriting Notes and Minimum Premiums
This is a non-admitted program, giving it the flexibility to accommodate a broader range of risks that standard markets may decline. Minimum premiums vary depending on the size, type, and operations of the restaurant. Abram Interstate works closely with agents to evaluate submissions and find a market fit that aligns with the insured’s exposure and budget.
Territories and Availability
This Restaurants Insurance program is currently available in Arizona, California, and Nevada. Agents operating in these states can access this solution to help meet the evolving insurance needs of their restaurant clients.
Why Work With Abram Interstate?
Abram Interstate Insurance Services, Inc. is a trusted MGA with deep experience in niche commercial programs. By partnering with a variety of carriers, they offer flexible and competitive options for agents serving the food service industry. Their underwriting team is responsive and knowledgeable, helping agents place business efficiently—even when the risk doesn’t fit the standard market mold.
Frequently Asked Questions
What types of restaurant businesses are eligible for this program?
The program is suitable for quick-service restaurants, casual dining spots, takeout and delivery businesses, and some specialty food operations, depending on underwriting.
Is this an admitted insurance program?
No, this is a non-admitted program, which allows for greater flexibility in underwriting and risk acceptance.
What coverages are included in the program?
Core coverages include Assault & Battery and Equipment coverage. Additional options may be available based on the risk profile.
In which states is the program available?
This Restaurants Insurance program is available in Arizona, California, and Nevada.
What is the minimum premium for this program?
Minimum premiums vary depending on the size and operations of the restaurant. Contact Abram Interstate for underwriting guidelines and rate indications.
Need help placing an account? Connect with a market specialist.