Restaurants Workers Compensation Insurance

Overview — Restaurants Workers Compensation Insurance from U.S. Risk Insurance Group, Inc.

U.S. Risk Insurance Group, Inc. offers a dedicated Restaurants Workers Compensation Insurance program designed for independent agents who place restaurant risks of all sizes. This program pairs experienced underwriting with A-rated carriers, loss control tools and focused claims handling to help control frequency and severity for restaurant employers — from single-location family restaurants to multi-state franchise operations.

Ideal accounts and target classes

This program is built for a broad range of restaurant operations. Typical targets include:

• Franchise restaurants and multi-unit owners
• Fine dining and upscale establishments
• Family-style and casual dining restaurants
• Lodging restaurants and hotel food & beverage outlets
• Taverns, bars and brewpubs
• Catering operations (on- and off-site)

The appetite includes both single- and multi-location risks and can accommodate new ventures and complex staffing exposures.

Coverage highlights and advantages

• Workers' compensation coverage tailored to restaurant-specific exposures (slips, cuts, burns, delivery exposures, etc.).
• Access to A-rated carriers with broad territorial reach to support multi-state placements.
• Loss control tools and resources aimed at kitchen safety, ergonomic improvements and alcohol-service risks.
• Claims handling coordinated with vendor partners to promote cost containment and return-to-work strategies.
• Flexibility to consider accounts with higher experience modification factors and multi-state payrolls.

Underwriting notes and submission requirements

Underwriters will consider a wide range of restaurant operations but do exclude certain high-risk classes such as quick-serve drive-through chains for delivery exposures (confirm on submission). Key underwriting points:

• New ventures and start-ups eligible — provide staff projections and safety plans when available.
• Multi-location and multi-state risks are eligible; scaled quoting available for larger accounts.
• Delivery operations are acceptable except for fast-food delivery-only models in some situations.
• Underwriters will review experience modification factors and can entertain higher mods with proper loss control plans.

Standard submission items:

• Completed ACORD application
• Currently valued loss runs (typically 3–5 years)
• Mod worksheet and large account supplemental for risks expected to exceed $75,000 in annual premium

Example accounts that fit well

• You have a 3-unit family-style restaurant with moderate payroll seeking better loss control resources and multi-state coverage — this program can provide consolidated placement with proactive claims services.
• A fine-dining single-location restaurant with seasonal staff and liquor exposure looking for A-rated carrier capacity and return-to-work programs to control claims cost.

Territories and availability

Available in the following states and territories: AL, AK, AZ, AR, 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI.

Why place restaurant workers' comp with U.S. Risk

• Managing General Agency expertise that understands restaurant operations, payroll patterns and seasonal staffing.
• Access to admitted markets and A-rated carriers with national reach for multi-state owners.
• Practical loss control and claims strategies that help agents demonstrate value to clients by reducing total cost of risk.
• Streamlined underwriting for multi-unit accounts and tailored submissions for accounts with higher payroll or experience mods.

If you represent multi-unit restaurant owners or operators with specialized exposures, discuss this program with your U.S. Risk underwriter to explore available capacity and loss control partnerships.

Frequently Asked Questions

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