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...e dining, family dining, and fast casual operations. Overview of the Progr...fine dining, family dining, and fast casual restaurants, including new venture...

The Fast Casual Restaurant Insurance program from Pro...w restaurants eligible?Yes, new fast casual ventures are eligible if they are ...

...g operations—from fine dining and casual family restaurants to national quick-...staurants such as fast food, buffet, casual and family dining, fine dining, and franchise chains are all idea...

... for this program. Quick service, casual dining chains, or fast food concepts are not...ng coverage for a long-standing fine dining restaurant with an extensive wine ...

...tablishments Family-style and casual dining restaurants Lodging restaurants a...ranchise and multi-unit owners, fine dining, family-style restaurants, taverns...

Insurance Programs of America (IPOA) offers tailored insurance solutions for fast food and quick-service restaurant businesses through our specialized RestaurantPro program. We understand the unique risks and operational challenges that come with running fast-paced restaurant environments, and we've built a program designed to help agents protect their clients with confidence. Overview of the Program From IPOA As a Managing General Underwriter and Excess & Surplus Lines Broker, IPOA delivers a competitive, non-admitted fast food restaurant insurance program available nationwide. RestaurantPro is underwritten through top-rated carriers and offers exclusive coverage extensions that cater specifically to the needs of fast food operations. Whether your client is operating a single-unit franchise or managing multiple quick-service locations, our team provides the underwriting expertise and support you need to place quality business. Ideal Accounts and Appetite RestaurantPro is designed for fast food and quick-service restaurant owners with a solid operational history. Ideal accounts include: Established fast food chains or franchises with at least 3 years of ownership experience Buildings constructed in 1989 or later, or those that have been fully gut-renovated Locations with updated roofing within the past 15 years Restaurants with Class K fire extinguishers installed in all kitchen areas Operations with delivery services (no Hired and Non-Owned Auto coverage included) Sprinkler-protected buildings and properties in protection classes 1–8 receive preferred pricing consideration. All construction types are considered, and named storm coverage is included in all states, including Florida. Coverage Highlights and Advantages Our program includes exclusive restaurant insurance extensions specifically developed for fast food risks. Agents can expect: Customized coverage solutions developed for the fast food industry National reach with surplus lines flexibility Access to knowledgeable underwriters with restaurant expertise Support for risks with delivery exposures (excluding HNOA) For example, if you have a client operating a regional chain of quick-service taco restaurants in multiple states, RestaurantPro can offer comprehensive coverage with underwriting flexibility that accounts for delivery, fire suppression, and storm-related exposures. Underwriting Notes and Minimum Premiums RestaurantPro has a $10,000 minimum premium and is best suited for accounts that meet the following underwriting criteria: Established ownership and operational history (minimum 3 years) Updated safety and fire suppression systems Recent renovations or original construction from 1989 or later Underwriting is handled in-house at IPOA, allowing us to provide responsive service and customized solutions to our agency partners. Territories and Availability This program is available in all 50 states and Washington, DC. As a non-admitted offering, RestaurantPro provides flexibility in coverage design and underwriting, especially in catastrophe-prone areas like Florida, where named storm coverage is included. Why Work With Insurance Programs of America? IPOA is committed to serving niche markets like fast food restaurants with long-term dedication and specialized expertise. We work closely with our agency partners to deliver underwriting precision, reliable service, and access to top-tier carriers. Our focus on program business ensures that you get the tools and support needed to win and retain fast food accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Fast food or quick-service restaurants with at least 3 years of ownership experience, updated fire protection systems, and buildings constructed in 1989 or later are ideal candidates. Is delivery service allowed under this program?Yes, risks that include delivery services are acceptable. However, Hired and Non-Owned Auto (HNOA) coverage is not included. Which states is the program available in?The program is available in all 50 states and Washington, DC. What is the minimum premium for the Fast Food Restaurant Insurance program?The minimum premium for this program is $10,000. What makes IPOA's RestaurantPro program unique?RestaurantPro offers exclusive insurance extensions tailored for fast food businesses, national non-admitted availability, and expert underwriting support through IPOA’s specialized team. Need help placing an account? Connect with a market specialist.

...ndependent family restaurants and casual full-service dining establishments ...program?Independent family-style and casual full-service restaurants with typi...

Insurance Programs of America (IPOA) is the leader in hotel programs for our agency partners in the hospitality industry, insuring large hotels, resorts and spas, and golf course resort properties throughout the country. Our expertise in the hotel insurance space is unmatched. Exclusive Hotel Insurance Program — HotelPro With HotelPro, IPOA offers agents an exclusive, hospitality-focused program specifically designed for limited- and full-service hotels. HotelPro pairs specialized underwriting with broad capacity and multiple carrier relationships — including Tower Group Companies and Lloyd’s of London — to deliver property, liability, and umbrella placements for single sites and portfolios. Overview of the Program from Insurance Programs of America HotelPro is written through admitted and surplus markets to provide flexible placement options for hotel risks. IPOA underwrites hotels with a focus on modern construction and active loss-control measures, delivering capacity, tailored coverage extensions, and both auditable and non-auditable liability options. For agents, this program is an efficient market for clients that need higher limits, hotel-specific extensions, and underwriting that understands hospitality operations. Ideal Accounts and Appetite Limited-service and full-service hotels, including select-service brands and independent properties Resorts, spas, and golf-course resort properties Interior and exterior-corridor hotels All construction types considered; hotels built after 1987 are preferred unless completely gut-renovated Accounts with demonstrated property protection (sprinklers, fire alarm systems) and established safety programs Coverage Highlights and Advantages Property, General Liability, and Umbrella coverages tailored for hotel exposures Exclusive hotel insurance extensions that address hospitality-specific exposures Capacity up to $50 million Both admitted and excess & surplus (E&S) placement options — admitted availability in some states Liability available as auditable or non-auditable to fit different account structures Underwriting Notes and Minimum Premiums Underwriting emphasizes newer or renovated properties, robust loss-control practices, and manageable coastal exposure. Limited capacity applies in higher-tier coastal counties. Typical minimum premiums are as follows: Packages — $15,000 (Interior hotels: frame construction <$5M TIV if sprinklered) Property — $10,000 Liability — $5,000 Coastal Property (Tier 1) — $25,000 These minimums are program guidelines; final terms are subject to underwriting review and carrier appetite. Territories and Availability HotelPro writes nationwide. IPOA operates as a Managing General Underwriter and Excess & Surplus lines broker with placements available in the following states: 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. Note: admitted availability is limited to some states and certain classes; where admitted capacity is not available, E&S markets may be used. Why Work with IPOA on Hotel Business Specialized hotel underwriting and program design focused on hospitality risks Access to multiple carriers and high capacity up to $50M Hospitality-specific policy language and extensions not commonly available in general markets Hands-on underwriting and E&S placement capability for challenging or higher-limit accounts Example accounts that fit HotelPro A 120-room full-service resort with on-site spa and golf course seeking combined property and liability placement with umbrella limits. An independent 80-room limited-service hotel recently renovated with a sprinklered frame and annual revenue within program guidelines that needs a streamlined package placement. Frequently Asked Questions What types of hotel accounts are the best fit for HotelPro?HotelPro is designed for limited- and full-service hotels, resorts, spas, and golf-course resort properties. Properties built after 1987 or those that have been gut-renovated are preferred, and accounts with active loss-control measures (sprinklers, alarms, documented safety programs) typically place more competitively. Is coverage admitted or non-admitted?IPOA places HotelPro on both admitted and excess & surplus (E&S) markets. Admitted coverage is available in some states; where admitted markets aren’t available or the risk needs specialty terms, E&S capacity is used. What minimum premium should agents expect?Minimums vary by line and exposure. Program guideline minimums include: Packages $15,000, Property $10,000, Liability $5,000, and Coastal Property (Tier 1) $25,000. Final minimums and pricing depend on underwriting review and specific exposures. Which states are eligible for placement?HotelPro writes nationwide with availability in the states listed in the program materials. Some admitted options are state-dependent; IPOA also provides E&S solutions where needed. Check the current state list and market access before submission. Need help placing an account? Connect with a market specialist.

Insurance Programs of America offers a nationwide Senior Living Insurance Program built for facilities that serve residents aged 55 and older. Marketed as SeniorLivingPro, the program delivers tailored property, liability and income solutions for independent senior housing, subsidized senior housing and age-restricted communities. Coverage is available in most states, with some county-level restrictions in designated Tier 1 and Tier 2 areas. Ideal Accounts and Appetite Age-restricted communities for residents 55 and older Both for-profit and non-profit senior living facilities Properties with or without emergency call systems Facilities offering subsidized rents, including Section 8, 202, 236, and LIHTC housing Multi-story buildings, including those not fully sprinklered This program is best suited for independent senior living communities, affordable senior housing and similar properties where on-site medical care is not the primary service. Accounts with active property management, routine resident screening, and basic life-safety systems are preferred. Risks requiring on-site skilled nursing or assisted living services should be reviewed with underwriting prior to submission. Coverage Highlights and Advantages SeniorLivingPro is placed with top-rated markets, including Lloyd’s of London and other carriers rated "A+ VX" by A.M. Best. Coverage is written on ISO forms and enhanced with limits and options targeted to senior housing exposures: Broad property coverage extensions with available increased limits Boiler and machinery (equipment breakdown) options Limited flood and earthquake coverage available where applicable Business income coverage that can address loss of Low Income Housing Tax Credits (LIHTC) Underwriting Notes and Submission Requirements To accelerate underwriting and obtain competitive terms, provide complete submissions that include: Completed ACORD applications Three years of loss history / loss runs IPOA SeniorLivingPro supplemental application Minimum premium typically starts at $10,000. Submit packages to [email protected] for initial review; include building age, construction type, occupancy mix, protection/sprinkler details and management practices to improve turn times. Territories and Availability SeniorLivingPro is available in most U.S. states. Current territories include: 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. Some county- and tier-level restrictions apply in Tier 1 and Tier 2 areas; availability and admitted/non-admitted status vary by state. The program is written on both admitted and non-admitted paper depending on the jurisdiction. Why Work With Insurance Programs of America? As a Managing General Underwriter and Excess & Surplus Lines Broker, Insurance Programs of America (IPOA) specializes in niche real estate and community-based risks. IPOA provides agents with access to multiple high-quality markets, focused underwriting for senior housing exposures, and program wording tailored to the operational realities of age-restricted communities. IPOA’s underwriting approach balances risk characteristics—construction, fire protection, management controls and subsidy programs—so agents can place a broad range of senior living accounts that may not fit standard admitted market appetite. Example scenarios where SeniorLivingPro fits well: You represent a three-story LIHTC senior housing property that is partially sprinklered and has no on-site medical services — SeniorLivingPro can provide property and business income limits designed for that risk profile. An independent senior living complex with mixed for-profit and non-profit units, routine tenant screening and emergency response systems — the program can offer tailored liability and equipment breakdown options. Frequently Asked Questions What types of accounts are a good fit for this program?Facilities serving residents aged 55 and older, including independent senior living, subsidized senior housing and age-restricted communities without on-site healthcare services. Are non-sprinklered or partially sprinklered buildings eligible?Yes. Multi-story buildings that are not fully sprinklered can qualify; underwriting will evaluate construction, fire protection and loss history to determine terms. Is the program available in all states?The program is available in most states listed above, but certain Tier 1 and Tier 2 counties may be restricted. Availability and admitted status depend on the state and carrier. What is the minimum premium for this program?Minimum premium typically starts at $10,000, though final pricing depends on risk characteristics, limits and location. What information is required for a submission?Provide completed ACORD applications, three years of loss runs and the IPOA SeniorLivingPro supplemental application. Include property details, occupancy mix and any subsidy program documentation to speed underwriting. Need help placing an account? Connect with a market specialist.

Comprehensive Data Breach & EPLI Coverage for Hotel Risks Insurance Programs of America (IPOA) offers a specialized solution for hospitality risks through its exclusive Data Breach & Employment Practices Liability Insurance (EPLI) program. Designed specifically for hotels, this program provides a powerful combination of EPLI with wage and hour lawsuit protection, alongside critical Data Breach coverage to address evolving cybersecurity exposures. Ideal Accounts and Appetite This program is best suited for hospitality operations such as: Franchised and independent hotels and motels Resort properties with 24/7 staff and guest data exposure Hospitality groups with multiple locations seeking streamlined coverage If you have hotel clients concerned about employee-related claims or the fallout from a data breach, this program offers tailored protection under one roof. Coverage Highlights and Advantages Through IPOA’s exclusive arrangement, your clients receive robust protections, including: Employment Practices Liability Insurance (EPLI) with wage and hour lawsuit coverage Data Breach coverage with separate limits for third-party claims Breach response support including legal counsel, forensic investigation, and notification costs Credit monitoring services through bureau partners Privacy, network security, and media liability under a separate limit Crisis management sublimit for public relations support $100,000 PCI sublimit included These features are designed to help insureds recover quickly and responsibly from cyber incidents while staying protected from internal employment-related exposures. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through multiple trusted carriers. IPOA provides a streamlined underwriting process, including a fast-track premium indication form to get quick quotes for EPLI with optional Data Breach coverage. The minimum premium for this program starts at $10,000. Agents can access the premium indication form directly by clicking HERE. Territories and Availability This program is available in all 50 states and Washington, DC. Whether your client is a single-location property in Florida or a hotel group spanning multiple states, IPOA has the underwriting reach and flexibility to handle national hospitality risks. Why Work With Insurance Programs of America As a Managing General Underwriter and Excess & Surplus Lines Broker, IPOA specializes in delivering niche programs with deep industry insight. With dedicated underwriting and responsive service, IPOA is a strong partner for agents and brokers seeking tailored solutions for hotel clients facing both employment and cyber liability risks. Their fast-track process and exclusive market access make it easy to quote and bind competitive coverage packages. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, motels, resorts, and hospitality groups concerned about employee-related claims and data breach exposures. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC. What is the minimum premium for this coverage?The minimum premium starts at $10,000, depending on the size and risk profile of the account. Does the Data Breach coverage include credit monitoring services?Yes, credit monitoring and breach notification services are included as part of the Data Breach coverage package. How can I get a premium indication?You can complete IPOA’s fast-track premium indication form to receive an immediate quote for EPLI and optional Data Breach coverage. Need help placing an account? Connect with a market specialist.