Ideal Accounts and Appetite
This program is open to all restaurant classifications, including:
- Fine dining restaurants with upscale service and liquor exposure
- Casual and family-style restaurants focused on dine-in traffic
- Fast casual and quick-service franchises with high volume
You can confidently place accounts with higher liability exposures, multiple locations, or unique operations. This umbrella program is available across all 50 states.
Coverage Highlights and Advantages
Distinguished Programs offers broad, flexible limits and fast turnaround, making it easy for agents to secure umbrella coverage that complements their clients' primary policies.
- Limits ranging from $5 million to $180 million
- No shared limits—each insured gets their own dedicated capacity
- Admitted A.M. Best A- rated carriers
- Competitive pricing and low minimum premiums
- 24-hour direct-to-issue binding confirmation
Underwriting Notes and Program Access
This program is underwritten by Distinguished Programs and placed through admitted markets. While specific minimum premiums may vary, the program maintains competitive pricing to meet the needs of both small independents and multi-location operators. Combine this umbrella policy with Distinguished’s Restaurant Package for seamless, comprehensive protection.
Nationwide Availability
The Restaurant Umbrella Insurance program is available in all 50 states, including high-liability jurisdictions and coastal regions. Whether your client operates in a major metro area or a rural community, you can access coverage through Distinguished Programs.
Why Work With Distinguished Programs
Distinguished Programs brings decades of experience in hospitality and niche liability markets. Their underwriting team understands the complexities of restaurant operations and provides fast, reliable service. With access to high-limit coverage, streamlined binding, and a strong carrier lineup, you’ll find the support you need to win and retain restaurant business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for fine dining, casual dining, and fast casual restaurants, including both independent operations and multi-unit franchises.
Is the umbrella coverage available nationwide?
Yes, the Restaurant Umbrella Insurance program is available in all 50 states.
What are the available coverage limits?
Limits range from $5 million to $180 million, with no shared limits between insureds.
Can this be combined with other coverage from Distinguished Programs?
Yes, this umbrella policy integrates seamlessly with Distinguished’s Restaurant Package for comprehensive protection.
How quickly can I bind coverage?
Binding confirmation is available within 24 hours through Distinguished’s direct-to-issue process.
Need help placing an account? Connect with a market specialist.