Restaurant Insurance Solutions from A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA offers a flexible, non-admitted Restaurant Insurance program built for independent agents and brokers who need access to Excess & Surplus (E&S) markets. With direct placement ability across multiple E&S carriers, A.I.I. helps you secure tailored coverage for a broad range of foodservice risks in Connecticut, New Hampshire, and Rhode Island.
Overview
This program is designed to handle both routine and hard-to-place restaurant accounts. Because it’s placed non-admitted through various E&S markets, you can expect flexible underwriting, creative terms, and coverage options not always available on admitted paper. A.I.I.’s regional focus means faster responsiveness and underwriting familiarity with local exposures.
Ideal Restaurant Accounts and Appetite
The program targets a wide variety of food and beverage operations, including:
- Casual and fine dining restaurants
- Family-style and buffet operations
- Ethnic and specialty cuisine restaurants
- Gastropubs, bistros, and brewpubs
- Restaurants with liquor sales or full bars
Typical accounts that fit well: a high-volume Italian restaurant with a liquor license and late-night service, or a small family-owned diner with moderate kitchen equipment and limited liquor exposure. Accounts with significant cooking exposure, heavy liquor sales, or unusual operations should be submitted for underwriting review — the E&S platform is intended to accommodate risks that need tailored terms.
Coverage Highlights and Advantages
The program bundles core protections and optional extensions that restaurants need to manage day-to-day exposures:
- BOP (Business Owners Policy): Combined property and liability for small to mid-sized restaurants
- Business Income: Reimbursement for lost income due to covered physical damage or equipment failure
- CGL (Commercial General Liability): Third-party bodily injury and property damage protection
- Equipment Breakdown: Coverage for critical kitchen and refrigeration equipment repair or replacement
- Liquor Liability: Available for on-premises alcohol service, subject to underwriting
- Real & Business Personal Property: Protection for buildings, furnishings, inventory, and fixtures
- Spoilage: Coverage for food spoilage from power outages or equipment failure
- Umbrella: Excess liability for larger limit needs
Using multiple E&S markets, A.I.I. can often assemble broader or more flexible protection than single-market admitted options — particularly for higher-liability or unusual risks.
Underwriting Notes and Minimum Premiums
This program is non-admitted and placed with various E&S carriers, which allows underwriters to tailor coverage to the account. Minimum premiums and final terms depend on the type and size of the restaurant, cooking methods, liquor exposure, location, and prior loss history. Submissions that include a completed application and current loss runs help expedite quoting and placement.
Territories and Availability
The Restaurant Insurance program is available to agents placing business in Connecticut, New Hampshire, and Rhode Island. A.I.I. focuses on regional placement and is set up to serve agents who need niche E&S solutions for tough-to-place or unique restaurant accounts.
Why Work With A.I.I. Insurance Brokerage of MA?
A.I.I. is a specialized Excess & Surplus Lines broker with deep market access and a reputation for responsive service. Agents benefit from:
- Direct access to multiple E&S carriers for competitive, flexible options
- Underwriting guidance focused on foodservice exposures (liquor, cooking, spoilage, equipment)
- Support for seasonal operations, new ventures, and accounts with liquor or higher limits
- Efficient submission handling when complete materials are provided
If you have a client with an unusual exposure or a higher-liability profile that admitted markets won’t accommodate, A.I.I. can help you find a workable E&S solution.