Overview of the Program from Great Point Insurance
Great Point’s Restaurant Umbrella Insurance is a focused umbrella program offered through our UmbrellaPro platform and competitive paper. As a program administrator working with multiple carriers, Great Point blends technology, tailored underwriting, and direct service to help you place more restaurant umbrella business.
Ideal Accounts and Appetite
This program targets traditional restaurant risks, including quick-service and full-service dining, cafes, diners, and many specialty food-service operations. We accept a broad list of restaurant classes inside UmbrellaPro to match the exposure you’re submitting. Accounts with liquor exposure are considered and can be written with Follow Form Liquor on many risks.
- Good fits: single-location restaurants, small multi-unit operations, cafés, and food trucks (where permitted).
- Risks that require special handling: larger bars/nightclubs, extensive delivery fleets, or high-liability exposures—these may be considered through alternate markets outside the core program.
Coverage Highlights and Advantages
- Instant indications and binding through UmbrellaPro.
- Follow Form Liquor available for qualifying accounts.
- Multiple eligible restaurant classes to precisely match exposure.
- Low minimum premiums and discretionary pricing relief available upon request.
- Exclusive programs only available through Great Point—these papers are not available elsewhere.
Underwriting Notes and Submission Tips
Provide complete GL and liquor information, details on deliveries or third-party delivery platforms, payroll/revenue splits by operations, and loss history. The UmbrellaPro flow will ask the right follow-ups based on your inputs. If an account has delivery exposure or behaves more like a bar than a restaurant, submit it anyway—Great Point can route the account to alternative markets when appropriate.
Territories and Availability
This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Work with Great Point on Restaurant Umbrella
When you appoint with Great Point, you’re not left to a portal alone. You’ll be assigned a dedicated Great Point underwriter and a business development manager who are available by email, phone, or chat to answer questions, help structure tougher risks, and provide market solutions. Our combination of exclusive program access, hands-on support, and the UmbrellaPro workflow helps you place restaurant umbrella business faster and more profitably.
Example scenarios
- You have a single-location full-service restaurant with liquor sales and a clean loss history — use UmbrellaPro for an immediate indication with Follow Form Liquor where available.
- A small multi-unit café client wants umbrella limits for several locations — submit via the system and request pricing relief if exposures justify improved terms.
We don’t hide behind the computer!
Once appointed, Great Point provides real people to partner with you on renewals, endorsements, and placement questions. If the risk is outside the core program, we will work to find competitive alternatives for you.
THESE PROGRAMS ARE EXCLUSIVE TO GREAT POINT AND CANNOT BE FOUND ANYWHERE ELSE.
On behalf of Great Point, we look forward to working with you.