Restaurant Insurance Program from Southern Insurance Underwriters, Inc.
Southern Insurance Underwriters, Inc. (SIU) offers a flexible and competitive Restaurant Insurance program designed specifically for independent agents and brokers placing business in Alabama, Georgia, and South Carolina. Whether your client operates a casual dining spot, a fast-food franchise, or a new venture with catering exposure, SIU provides access to both standard and non-standard markets to help you secure the right coverage.
Ideal Accounts and Appetite
This program targets a wide range of restaurant operations, including those with up to 30% alcohol sales and optional table service. Ideal risks include:
- Quick service and fast-casual restaurants
- Full-service restaurants with moderate alcohol exposure
- Catering businesses with dine-in or off-premises services
- New ventures led by owners with at least 3 years of industry experience
Accounts with more than 30% alcohol sales or nightclubs may not be eligible.
Coverage Highlights and Advantages
SIU’s Restaurant Insurance program is backed by "A" Rated carriers and offers comprehensive protection through Commercial Package Policies. Available coverages include:
- General Liability with limits from $300,000/$600,000 to $1MM/$2MM
- Liquor Liability coverage available for qualifying risks
- Property coverage with enhancement endorsements that offer over 20 additional protections
- Crime, Inland Marine, and Automobile coverage options
- Workers’ Compensation markets available
Whether you’re writing a startup café or a well-established bistro, this program provides scalable coverage options to meet your client’s needs.
Underwriting Notes and Minimum Premiums
SIU welcomes new ventures as long as the ownership has a minimum of three years of relevant restaurant experience. Minimum premiums vary by risk type and coverage selected. Submissions should be complete and include applicable supplemental applications, especially when liquor liability is requested.
Territories and Availability
This admitted program is currently available in Alabama, Georgia, and South Carolina. SIU works with both admitted and non-admitted markets, giving you added flexibility when placing accounts that may not fit traditional carrier appetites.
Why Work with Southern Insurance Underwriters, Inc.?
As a trusted Managing General Agency with decades of underwriting experience, SIU brings deep expertise in hospitality insurance and niche restaurant risks. Agents benefit from responsive service, a broad market reach, and underwriting solutions tailored to the restaurant industry. If you're looking for a dependable partner to help you place restaurant business—from small takeout counters to upscale eateries—SIU is a strong choice.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Restaurants with up to 30% alcohol sales, including fast-casual, full-service, and catering operations, are ideal for this program.
Is liquor liability coverage available?
Yes, liquor liability is available for qualifying risks and can be included in the commercial package policy.
Can new restaurant ventures qualify for coverage?
Yes, new ventures are acceptable if the ownership has at least 3 years of relevant restaurant experience.
In which states is this program available?
This program is currently available in Alabama, Georgia, and South Carolina.
Does the program include Workers’ Compensation coverage?
Yes, Workers’ Compensation markets are available for eligible accounts as part of the overall package.
Need help placing an account? Connect with a market specialist.