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Insurance Programs of America
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Insurance Programs of America
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Casual Dining Restaurant Insurance

Insurance Programs of America (IPOA) offers a specialized Casual Dining Restaurant Insurance program designed to meet the unique risks and operational needs of casual dining establishments. Through our proprietary RestaurantPro platform, agents and brokers can confidently place accounts with a comprehensive, tailored solution backed by a top-rated national carrier.
 

Overview of the Program From IPOA

Restaurant operations come with a variety of exposures—fire hazards, property damage, slip-and-fall risks, and storm-related losses, to name a few. IPOA understands these challenges and has developed a dedicated program that addresses the specific insurance needs of casual dining restaurants. We are committed to long-term partnerships with our agency network, offering responsive underwriting and deep industry knowledge.
 

Ideal Accounts and Appetite

This program targets independent and franchise-owned casual dining restaurants across the United States. Ideal accounts include:
  • Restaurants with full table service and seating
  • Locations built in 1989 or later (or fully gut-renovated)
  • Operators with at least 3 years of ownership experience
  • Properties with updated roofs (within the last 15 years)
  • Facilities with Class K extinguishers and fire suppression systems
  • Establishments that offer delivery services (note: no HNOA coverage)
Whether your client is a regional chain operator or an independent owner, this program is structured to provide protection for their daily risks.
 

Coverage Highlights and Advantages

Our Casual Dining Restaurant Insurance program provides a robust set of coverages and value-added features, including:
  • Exclusive restaurant insurance extensions tailored to the dining industry
  • Coverage available in coastal and high-storm zones, including Florida (Named Storm coverage included)
  • Preferred pricing for sprinkler-protected construction types
  • Eligibility for protection classes 1–8
The program is delivered on a non-admitted basis through multiple high-quality carriers, giving flexibility in underwriting and pricing.
 

Underwriting Notes and Minimum Premiums

Key underwriting criteria include:
  • Minimum premium: $10,000
  • Eligible buildings must be constructed in 1989 or later, or completely gut renovated
  • Owners must have a minimum of 3 years’ experience managing or owning a restaurant
  • All construction types considered; sprinklered buildings receive preferred rates
Our underwriting team works closely with agents to assess each risk thoroughly and efficiently.
 

Territories and Availability

This program is available nationwide, including all 50 states and Washington, D.C. Agents can confidently place accounts in both inland and coastal regions, regardless of storm exposure. Our broad territorial reach ensures access to markets for a wide range of restaurant risks.
 

Why Work With Insurance Programs of America

IPOA is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in niche markets. Our commitment to the restaurant industry is long-term and focused. We offer:
  • Dedicated underwriters with restaurant-specific knowledge
  • Customized solutions via our RestaurantPro platform
  • Responsive service and support for our agency partners
If you're looking for a reliable partner to help place your casual dining restaurant accounts, IPOA is ready to provide the expertise and market access you need.
 

Frequently Asked Questions

What types of accounts are a good fit for this program?

Independent or franchise-owned casual dining restaurants with table service, built in 1989 or later (or gut renovated), and operated by owners with at least 3 years of experience are ideal for this program.

Is delivery service allowed under this program?

Yes, restaurants with delivery services are acceptable; however, hired and non-owned auto (HNOA) coverage is not included.

What is the minimum premium for this program?

The minimum premium for eligible accounts is $10,000.

Is this program available in coastal states like Florida?

Yes, the program includes Named Storm coverage and is available in all states, including Florida and other coastal regions.

What kind of construction or building requirements apply?

All construction types are eligible, with preferred pricing for sprinkler-protected buildings and roof updates completed within the past 15 years.

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:
    0
  • Carriers:
  • Carrier Ratings:
    A+
  • Commission:
    10%
  • Min Premium:
    $10,000

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Insurance Programs of America has other insurance programs like Coastal Restaurant Insurance.