Ideal Accounts and Appetite
This program is a strong option for independent agents looking for a responsive market for fast food and quick-service restaurant accounts. We can handle national franchises, regional chains, and independent operators, including locations focused on dine-in, takeout, drive-thru, and delivery.
Examples of ideal risks include:
- A regional chain of burger or sandwich shops with multiple Midwest locations
- An independent pizza operation that offers delivery and takeout
- A franchise fast food location that needs property, liability, and business interruption protection
Coverage Highlights and Advantages
Our Fast Food Restaurants program provides flexible coverage tailored to common restaurant exposures. Available options include:
- Business Income and Business Interruption
- Commercial General Liability (CGL / GL)
- Property and Real & Business Personal Property
- Food Spoilage and Contamination
- Glass Breakage and Fire
- Crime and Employee Dishonesty / Personal Property
These coverages address core exposures such as equipment breakdown, loss of refrigerated inventory, property damage from fire or vandalism, and liability claims involving customers or employees.
Underwriting Notes and Minimum Premiums
Advanced E&S Group places this program on non-admitted paper with a panel of specialty carriers to give agents more flexibility on tougher or niche risks. Minimum premiums vary by carrier, state, and specific risk characteristics. Our underwriters review each submission individually and can consider both standard accounts and more complex locations with multiple exposures.
Territories and Availability
This program is available in: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VT, and WI. We focus on the Midwest and select Northeastern states to serve agents placing fast food and quick-service accounts throughout our footprint.
Why Work With Advanced E&S Group?
With deep commercial underwriting experience and access to multiple surplus lines carriers, Advanced E&S Group helps agents place hard-to-place and routine fast food risks efficiently. Our strengths include underwriting flexibility, quick turnaround on submissions, and practical knowledge of restaurant operations—helping you secure appropriate property, liability, and income protection for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Fast food and quick-service restaurants of all sizes, including franchises, regional chains, and independent operators offering dine-in, takeout, drive-thru, or delivery.
Is this program written on admitted or non-admitted paper?
This program is placed on a non-admitted basis through a panel of specialty 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?
Typical coverages include Business Income, General Liability, Property, Food Spoilage, Crime, Theft, Glass, and options for equipment breakdown and extra expense.
Is there a minimum premium requirement?
Minimum premiums vary by carrier, state, and risk. Contact underwriting for details on specific accounts.
Need help placing an account? Connect with a market specialist.