Family Restaurant Insurance

Overview of the Program From ProHost USA, Inc.

This program provides a restaurant package policy that can include liquor liability and several optional coverages commonly requested by restaurant owners. ProHost USA works with various admitted carriers to deliver admitted paper in most states, streamlined underwriting for quick responses, and flexibility for new ventures when the owners or managers bring prior restaurant experience.

Ideal Accounts and Appetite

• Independent family restaurants and casual full-service dining establishments
• Accounts with up to 40% liquor receipts (eligible for liquor coverage)
• Single-location operations and small multi-location groups with standard risk controls
• New ventures where the principals have prior restaurant ownership or management experience

Not a fit: high-risk nightclubs, adult entertainment venues, large banquet halls with frequent large events, or accounts with persistent heavy alcohol exposure beyond typical family restaurant levels.

Coverage Highlights and Advantages

• Package policy tailored for restaurants, including property, general liability, and optional liquor liability
• GL broadening endorsement and enhanced property coverages available
• Workers’ Compensation, Employment Practices Liability (EPLI), and excess/umbrella available in most states
• Cyber liability can be quoted separately to address point-of-sale and customer data exposures
• Experienced underwriting team for restaurant accounts and fast quote turnaround to help you place business quickly
• Access to multiple admitted carriers through ProHost USA

Underwriting Notes and Minimum Premiums

Underwriting focuses on the restaurant’s operations, alcohol exposure (liquor receipts), loss history, risk controls (food safety, fire protection, employee training), and management experience. The program’s stated minimum premium is $5,000. New ventures are considered when owners or managers demonstrate prior industry experience.

Territories and Availability

The Family Restaurant Insurance program is available in most states. Current availability includes: AL, 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 ProHost USA on This Business

• Specialized restaurant underwriting makes it faster to get an accurate quote and likely coverages suited to the risk
• Admitted carrier access in most states for admitted paper where required
• Flexible program that accepts new ventures with experienced operators and standard-risk family restaurants
• Responsive service and practical endorsements (GL broadening, enhanced property) that agents commonly request for restaurant accounts

Example Scenarios

You might have a two-location family restaurant with steady dine-in business and limited liquor service (liquor receipts under 30%). This program can provide a package policy with liquor liability, property coverage for equipment, and the option to add an umbrella. Or you may place a new owner/operator opening a single-location family diner; if the owner has several years’ experience managing restaurants, the account can be considered under this program.

Frequently Asked Questions

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