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Allstar Financial Group
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Allstar Financial Group
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Restaurant Insurance

Restaurant Insurance

Allstar Financial Group, through its specialized division Allstar Underwriters, offers a Restaurant Insurance Program built for restaurants of all sizes and service models. Designed for independent agents and brokers, the program delivers flexible property, casualty, liquor liability, and umbrella solutions tailored to common restaurant exposures — from small cafés to full-service venues with liquor sales or heavy equipment needs.

Our small business solutions platform makes quoting and binding straightforward. We work with multiple excess & surplus (E&S) carriers and provide both supported and unsupported umbrella options. Coverage is available in most Southeastern states and is often offered on a non-admitted basis to maximize market access and capacity.

Ideal Accounts and Appetite

This program fits a wide range of food service operations, including:
  • Full-service and casual dining restaurants
  • Quick-service and fast-casual concepts
  • Locations with on-premises liquor sales
  • Franchise groups and independent operators
You might place a newly opened bistro with liquor service in Georgia or a multi-location café operator in North Carolina — both are typical fits for this program.

Coverage Highlights and Advantages

Property Coverage:
  • Total Insured Value (TIV) up to $5 million per location
  • Available as monoline or as part of a packaged policy
  • No-coinsurance options where risk characteristics allow
  • Optional enhancements such as equipment breakdown

Casualty Coverage:
  • Primary limits up to $5 million per occurrence/aggregate
  • Minimum general liability premiums starting at $500
  • Project-specific policies and per-location aggregates available
  • Options to cover uninsured subcontractors where needed
  • Available enhancements:
    • Blanket additional insured endorsements
    • Waiver of subrogation
    • Primary and non-contributory wording
    • Per project or per location aggregate structures
    • Hired & Non-Owned Auto (select classes)
    • Miscellaneous professional liability (select classes)

Liquor Liability Coverage:
  • Limits available from $100,000/$100,000 up to $1 million/$2 million
  • Can be written monoline or packaged with GL/property
  • Assault and battery coverage follows the general liability form
  • Available in NC, SC, GA, TN, and VA

Umbrella Coverage:
  • Limits up to $5 million
  • Minimum premiums from $750
  • Available on supported and unsupported bases
  • Underlying auto and GL carriers should carry an AM Best rating of A-VI or better
  • Employers liability on umbrella requires a minimum AM Best rating of B++

Underwriting Notes and Minimum Premiums

Minimums vary by line and class; general liability often starts at $500 while umbrella typically starts at $750. Underwriting focuses on class code, location, revenue and payroll, liquor exposure, fire and cooking-protection measures, and any prior loss history. Optional endorsements help you meet contract requirements for contractors, landlords, or event venues.

Territories and Availability

The Restaurant Insurance Program is available in Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Most products are placed on a non-admitted basis through multiple E&S carriers to widen appetite and capacity across the region.

Why Work With Allstar Financial Group

Allstar Financial Group is a Managing General Underwriter (MGU) and Excess & Surplus Lines Broker with deep specialty expertise in restaurant exposures. Agents benefit from market access to multiple carriers, a focus on quick turnaround, and underwriting that understands the operational nuances of food service — from liquor operations to equipment-heavy kitchens and multi-location programs. Our team prioritizes ease of placement and responsive support when accounts have contract or certificate requirements.

If you have a restaurant account with unique exposures — liquor liability, significant cooking equipment, or multi-location needs — Allstar can provide flexible, market-driven options backed by experienced underwriting partners.

Frequently Asked Questions

What types of restaurant accounts are eligible for this program?

This program serves a broad spectrum of restaurants, including full-service, fast-casual, quick-service, and establishments with liquor sales. Both franchise and independent operators are considered.

Is liquor liability coverage available?

Yes. Liquor liability can be written monoline or packaged with other lines in NC, SC, GA, TN, and VA, with limits up to $1 million/$2 million.

Can I submit accounts that need both property and GL coverage?

Yes. The program supports monoline placements and packaged policies to combine property, general liability, liquor liability, and umbrella as needed.

What are the general premium requirements?

Minimum premiums vary by line. General liability often begins around $500 and umbrella coverage around $750; final pricing is based on class, location, limits, and loss history.

Which states is this program available in?

Coverage is available in AL, GA, LA, MS, NC, SC, TN, and VA.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter and Excess & Surplus Lines Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    -
  • Min Premium:
    varies

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CONTACT INFORMATION

LOCATION

600 NC Hwy. 42 West
Clayton, NC 27520
877-950-3222
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Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.