Overview of the Restaurant Insurance Program
RestaurantPro is built for the full spectrum of dining operations—from fine dining and casual family restaurants to national quick-service chains. We structure customized packages for buffet operations, drive-thru concepts, delivery-focused kitchens, and high-end establishments alike. The program balances broad coverages with underwriting discipline so you can place complex or higher-value restaurant risks with confidence.
Ideal Accounts and Appetite
This program is a strong fit for:
- Fast food and quick-service restaurants
- Buffet-style eateries
- Casual and family dining
- Fine dining and higher-end concepts
- Franchise and multi-location chains
- Drive-thru and delivery-friendly operations
We accept food delivery operations without requiring an HNOA and can accommodate a range of construction types. Preferred pricing is available for sprinkler-protected properties and for accounts with demonstrable ownership experience and recent property improvements (especially roofing).
Coverage Highlights and Advantages
Key program features include:
- Restaurant-specific policy extensions and endorsements
- Named-storm coverage available across all states, including Florida
- Eligibility for properties in protection classes 1–8
- Class K fire extinguishers required in all kitchen areas
- Terms that accommodate delivery operations and drive-thru exposure
RestaurantPro is backed by a top-rated national carrier and underwritten by IPOA’s restaurant-focused team. That combination delivers consistent capacity, underwriting responsiveness, and market stability for agents placing restaurant business.
Underwriting Notes and Minimum Premiums
- Minimum premium: $10,000
- Buildings should be constructed in 1989 or later, or be fully gut-renovated
- Roof updates are required within the past 15 years
- Insureds should have at least three years of restaurant ownership experience
Submissions are evaluated case-by-case against these core guidelines. Clean loss history, documented maintenance, and active risk management (kitchen suppression, staff training, documented cleaning schedules) improve placement outcomes. Our underwriters are available to pre-qualify accounts and guide you on acceptable terms before you submit.
Territories and Availability
This non-admitted program is available nationwide across 49 states plus Washington, DC. Non-admitted solutions are currently accessible in: 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, and WY.
Why Work With Insurance Programs of America?
As a Managing General Underwriter and E&S broker, IPOA focuses on niche hospitality and restaurant programs. Working with IPOA gives you:
- Specialized underwriting staffed by professionals experienced with restaurant exposures
- Access to stable carrier capacity for larger or higher-exposure accounts
- Responsive service to help you pre-qualify risks and speed submissions
- Program consistency that helps you set expectations with your clients
Example accounts that often do well in RestaurantPro: a multi-unit quick-service franchise seeking consolidated coverage for property and general liability; or a newly renovated, higher-end steakhouse with up-to-date suppression and a clean loss record that needs broader named-storm protection. If you have a unique or higher-limit restaurant risk, our team is available to review details and provide placement guidance.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Restaurants such as fast food, buffet, casual and family dining, fine dining, and franchise chains are all ideal candidates. Delivery operations are accepted as well.
Is this program available in all states?
The program is available in 49 states and Washington, DC, through non-admitted carriers.
What is the minimum premium for this program?
The minimum premium starts at $10,000.
Are older buildings eligible?
Buildings must be constructed in 1989 or later, unless they have been fully gut-renovated.
Do you require specific fire protection equipment?
Yes, all kitchen areas must be equipped with Class K fire extinguishers.
Need help placing an account? Connect with a market specialist.