Ideal Accounts and Appetite
This program is a strong fit for independent insurance agents seeking a reliable market for fast food establishments, including national franchises, regional chains, and independent quick-service restaurants. We’re able to accommodate a variety of food operations, whether dine-in, takeout, or drive-thru focused.
Examples of ideal risks include:
- A regional chain of burger or sandwich shops with multiple locations in the Midwest
- An independent pizza restaurant offering delivery and takeout services
- A franchise fast food location needing coverage for property, liability, and business interruption
Coverage Highlights and Advantages
Our Fast Food Restaurants Insurance program offers broad coverage options tailored to the exposures faced by fast food operators. Available coverages include:
- Business Income and Business Interruption
- Commercial General Liability (CGL / GL)
- Property and Real & Business Personal Property
- Food Spoilage and Theft
- Glass Breakage and Fire
- Crime and Personal Property
These coverages help protect your clients from common risks such as equipment breakdown, loss of food inventory, property damage, and liability claims from customers or employees.
Underwriting Notes and Minimum Premiums
We work with a variety of carriers on a non-admitted basis to provide flexible solutions for a wide range of fast food businesses. Minimum premiums vary depending on risk characteristics and coverage needs. Our underwriting team evaluates each submission on its own merits, allowing us to consider both standard and more complex accounts.
Territories and Availability
This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VT, and WI. We focus on serving agents across the Midwest and selected Northeastern states, helping you find solutions for your fast food clients regardless of location within our footprint.
Why Work With Advanced E&S Group?
With extensive experience in commercial insurance and access to a wide range of carriers, Advanced E&S Group provides agents with the tools and expertise to place fast food restaurant business efficiently. Our underwriting flexibility, responsive service, and knowledge of the restaurant industry make us a dependable partner for your hard-to-place or niche accounts.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Fast food restaurants of all sizes, including franchises, regional chains, and independent operators that offer dine-in, takeout, or delivery services.
Is this program written on admitted or non-admitted paper?
This program is written on a non-admitted basis through various carriers.
Which states is this program available in?
The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VT, and WI.
What coverages are included in the Fast Food Restaurants Insurance program?
Coverages include Business Income, General Liability, Property, Food Spoilage, Crime, Theft, Glass, and more.
Is there a minimum premium requirement?
Minimum premiums vary based on the specific risk and coverage needs. Contact underwriting for details.
Need help placing an account? Connect with a market specialist.