Restaurant Insurance

Restaurant Insurance Program — Prime Insurance Company

Eating at a restaurant should be an enjoyable experience: great food, a comfortable atmosphere, and attentive service. Unfortunately, accidents and property loss can happen — from foodborne illness and slips and falls to kitchen fires — and those events can quickly create significant financial exposure for your client.

Know the Facts

• Between 2010 – 2014 there is an average of 7,410 kitchen fires reported to U.S. fire departments
• Slips and falls are the number 1 cause of accidents
• 38% of cooking equipment and 21% of electrical distribution are the top causes of property damage in restaurants

Program Overview

Prime Insurance Company offers a tailored Restaurant Insurance program designed for agents placing dining risks. We underwrite accounts by reviewing operations, loss history, and management practices to deliver an all-in-one policy that fits the client’s exposure. The program stacks common commercial coverages so you can place property, liability and ancillary exposures through a single market.

Insurance Coverages Available

• Commercial Property Insurance
• Commercial General Liability Insurance
• Commercial Umbrella Insurance
• Commercial Auto Insurance *Not available in NY
• Liquor Liability

*Please note that we do not offer workers compensation.

Ideal Accounts and Appetite

This program is built for a wide range of restaurant operations. Good fits typically include:

• Independent full-service restaurants and bistros
• Fast-casual concepts and cafes
• Small to mid-size bars and taverns (liquor liability available)
• Limited-service bakeries and catering operations

Prime Insurance will consider new and established operations, including accounts with prior losses — underwriting is experience and operations driven. Accounts with large national scale, significant manufacturing, or complex multi-state payroll structures may require alternate placement or a specialized program.

Coverage Highlights and Advantages

• Combined placement approach simplifies quoting and policy administration for property, liability and umbrella limits.
• Liquor liability options for establishments that serve alcohol.
• Commercial auto available for delivery and company vehicles (except NY).
• Underwriting that focuses on operational controls—kitchen suppression, employee training, food handling procedures, and premises maintenance—which can improve placement opportunities.

Underwriting Notes

When submitting, include clear details about operations and risk controls to speed evaluation: hours of operation, cooking equipment and suppression systems, percentage of alcohol sales, delivery operations or use of autos, annual revenues, payroll, and five-year loss history. Prime Insurance emphasizes operational detail and demonstrated risk management when assessing eligibility. Remember: workers compensation is not offered through this program.

Territories and Availability

This Restaurant Insurance program is available through Prime Insurance Company in the following territories: 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 Prime Insurance Company on Restaurant Business

• Focused underwriting for hospitality exposures and practical risk assessment.
• Flexible placement for common restaurant needs—property, GL, umbrella, auto and liquor liability—in one program.
• Experience in handling accounts with prior losses and varying management experience.
• Dedicated service for brokers who need clear expectations and tailored coverage terms.

Example Accounts You Might Place

• You have a client who runs a 60-seat full-service bistro with a full kitchen, fire suppression, and modest liquor sales — Prime can quote property, GL and liquor liability together.
• You represent a fast-casual chain with delivery vehicles — the program can combine GL, property and commercial auto (check NY availability for auto) and consider umbrella limits.

Prime Insurance’s restaurant team is available to review submissions and help structure terms that align with the account’s operations and risk profile. We work with agents to identify appropriate limits and coverages that reduce the chance of coverage gaps while keeping placement efficient.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.