Take Out Restaurant Insurance

Coverage Highlights and Advantages

IPMG’s Take Out Restaurant Insurance focuses on the exposures created by high off-premise sales. Key coverages available include:

• General liability tailored for foodservice operations
• Commercial property for building contents and equipment

Liability-only accounts start at $600, with package minimums beginning at $900. Policies are placed on non-admitted paper through A-rated carriers, providing capacity and underwriting expertise for risks that may be difficult to place in standard markets.

Underwriting Notes and Minimum Premiums

Underwriting review is required for every submission. Some small operations may qualify as non-auditable if annual receipts are under $500,000—this can simplify placements for lower-revenue clients. Appetite is focused on single-location, on-site food preparation with substantial take-out/delivery volume; higher-risk exposures (extensive alcohol sales, multiple locations, or significant catering/onsite event exposures) will generally be declined or require separate review.

Territories and Availability

This program is currently available in the following states:

• Florida (FL)
• Illinois (IL)
• Indiana (IN)
• Iowa (IA)
• Missouri (MO)

Contact the appropriate state representative below to discuss specific submissions, appetite nuances, and available limits.

Why Work With IPMG?

IPMG specializes in niche commercial programs and offers agents access to markets that understand take-out and delivery-focused restaurant risks. The underwriting team has experience placing accounts that do not fit typical restaurant markets and can help identify the right structure and limits for off-premise exposure.

Whether your client runs a busy sandwich shop with no seating or a family-style kitchen offering curbside pickup and limited alcohol sales, IPMG can help place the account efficiently and competitively.