Fast Food Restaurant Insurance Program from Gladius Insurance Services, LLC
Gladius Insurance Services, LLC offers a specialized Fast Food Restaurant Program for independent agents and brokers seeking a streamlined way to place quick-service and limited-cooking restaurant accounts. The program provides tailored Businessowners Policy (BOP) coverage for restaurants that do not serve alcohol and that meet defined underwriting criteria. With access to multiple markets and broad state availability, Gladius helps agents secure competitive property and liability protection for fast food operations.
Ideal Accounts and Target Appetite
This program fits quick-service and limited-cooking restaurants that operate without alcohol sales. Typical eligibility per location includes:
- Up to 75 employees
- Building and BPP values up to $5 million
- Up to $5 million in annual revenue per location (policy aggregate up to $15 million)
- Maximum 7,500 square feet
Off-site catering revenue must be 10% or less of total annual gross sales.
Target classes include:
- Chicken, hamburger, hotdog, and roast beef shops
- Donut and coffee shops
- Pizza shops and delicatessens
- Ice cream and yogurt stores
- Concession stands and snack bars
- Ethnic-style fast food restaurants
- Retail bakeries (with or without on-premises baking)
- Take-out only restaurants and cafes
Ineligible risks: 24-hour operations, locations that sell alcohol or offer live entertainment, facilities with open broiling or solid-fuel cooking, and buildings constructed with EIFS.
Coverage Highlights
The Fast Food Restaurant Program is built around a BOP with optional endorsements to broaden protection. Highlights include:
- Building and Business Personal Property limits up to $5 million per location
- Business Income — 12 months actual loss sustained, with options to extend indemnity up to 360 days
- Extra Expense, Civil Authority, Debris Removal, and Fire Department Service Charges
- Protection for Electronic Data, Pollutant Cleanup, Outdoor Property, Valuable Papers, and similar exposures
- Liability limits up to $2 million per occurrence with a 2X aggregate option
- Medical payments and tenant fire liability available
Optional enhancements include Employee Dishonesty, Equipment Breakdown, Spoilage, Food Contamination, and Hired/Non-Owned Auto Liability (delivery exposures are excluded).
Underwriting Guidelines and Minimums
New ventures are eligible when owners or managers have at least three years’ prior restaurant ownership or food-service management experience. All eligible locations must maintain:
- A central station–connected automatic fire alarm
- An automatic cooking exhaust and extinguishing system
Minimum premium varies by state, submission characteristics, and selected endorsements. Contact Gladius for full underwriting guidelines and minimum-premium detail.
Available States
This program is available in the following states: AL, AZ, CA, CO, CT, FL, GA, ID, IL, IA, MI, NV, NJ, NM, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA.
Why Work with Gladius Insurance Services?
As a managing general agency, Gladius combines niche underwriting expertise with wide market access to serve the fast-food and limited-cooking segment. Agents benefit from clear eligibility rules, competitive property and liability options, and flexible endorsements to address common restaurant exposures. Gladius's team focuses on efficient submissions and practical underwriting that makes placement easier for routine and moderately complex fast-food accounts.
You might have a client opening a second location for a growing café franchise; this program can provide consistent BOP terms across locations. Or you may be placing a new donut shop whose owner brings prior restaurant management experience — that owner-based experience can help qualify a new venture for coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Fast food and limited-cooking restaurants without alcohol sales, under 7,500 square feet, and generating less than $5 million in revenue per location are the ideal fits.
Are new ventures eligible for coverage?
Yes. New restaurants may qualify if the owners or primary managers have at least three years of restaurant ownership or food-service management experience.
Is 24-hour operation allowed under this program?
No. 24-hour operations are not eligible.
What fire protection systems are required?
Eligible locations must have a central station–connected automatic fire alarm and an automatic cooking exhaust and extinguishing system in place.
In which states is this program available?
Coverage is available in AL, AZ, CA, CO, CT, FL, GA, ID, IL, IA, MI, NV, NJ, NM, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, and WA.
Need help placing an account? Connect with a market specialist.