Overview of the Program From Insurance Programs of America
At IPOA, we understand that fine dining restaurants face distinct exposures—from liquor liability and kitchen fire hazards to property damage and business interruption. Our dedicated underwriting team has deep experience in the hospitality space, allowing us to support you in crafting customized solutions that align with your clients’ operations and risk profiles.
Ideal Accounts and Appetite
Our Fine Dining Restaurant Insurance Program is specifically designed for high-end, full-service restaurants across the U.S. We look for accounts that meet the following criteria:
- Established restaurants with a minimum of 3 years of ownership experience
- Properties built in 1989 or later, or those that have undergone full gut renovations
- All construction types, with preferred pricing for sprinkler-protected buildings
- Restaurants with modern fire suppression systems, including Class K extinguishers in kitchen areas
- Establishments with delivery operations (HNOA not required)
You might have a client who owns a high-end bistro in Chicago or a coastal seafood restaurant in Florida—this program is built to handle both, including Named Storm coverage in all states and counties.
Coverage Highlights and Advantages
Through our access to multiple top-rated carriers, we offer agents a flexible and competitive package that includes:
- Exclusive restaurant insurance extensions
- Named Storm protection nationwide, including Florida
- Coverage available for Protection Classes 1–8
- Competitive pricing for updated roofs (within the last 15 years)
Our program is written on a non-admitted basis, giving us the flexibility to underwrite complex or specialty accounts that may not fit traditional markets.
Underwriting Notes and Minimum Premiums
This program has a minimum premium of $10,000. We underwrite each risk carefully and work closely with our agency partners to ensure a fit. Our team welcomes submissions from agents who know their clients' operations and are looking for a long-term market partner.
Territories and Availability
Our Fine Dining Restaurant Insurance Program is available in all 50 states plus Washington, D.C. Whether your client is based in a major metropolitan area or a smaller market, IPOA can help you find the right coverage nationwide.
Why Work With Insurance Programs of America?
As a Managing General Underwriter and Excess & Surplus Lines Broker, IPOA is committed to serving niche markets with long-term dedication and unmatched underwriting expertise. Our focus on the restaurant industry means we understand the details that matter most to your clients—making us a reliable partner for agents who specialize in hospitality risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target fine dining and upscale full-service restaurants with at least 3 years of ownership experience, preferably in buildings constructed after 1989 or fully renovated.
Is delivery service allowed under this program?
Yes, risks with delivery operations are acceptable. Hired and Non-Owned Auto (HNOA) coverage is not required.
What is the minimum premium for this program?
The minimum premium for our Fine Dining Restaurant Insurance Program is $10,000.
Is coverage available in my state?
Yes, this program is available in all 50 states and Washington, D.C.
What makes IPOA different from other markets?
IPOA brings deep niche expertise, access to multiple top-rated carriers, and a long-term commitment to the restaurant industry. We work closely with agents to deliver tailored solutions for complex risks.
Need help placing an account? Connect with a market specialist.