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Your Workers Compensation Solution for Restaurants Utah Business Insurance Company (UBIC) offers a competitive, A-rated Workers Compensation program tailored for restaurants. As a direct carrier with deep hospitality experience, UBIC understands restaurant-specific exposures—slips, cuts, strains, and kitchen hazards—and provides underwriting and service designed to help agents place and retain this business. The program is available in multiple admitted territories, including key hospitality markets such as Arizona, Idaho, Nevada, and Utah. Ideal Accounts and Appetite This program is best for small to mid-sized restaurants: quick-service, cafes, bistros, family-style diners, and similar operations. UBIC will consider new ventures, accounts with prior lapses, and businesses transitioning out of Professional Employer Organizations (PEOs). The program does not accept restaurants with 24-hour operations. Coverage Highlights and Advantages Admitted coverage in all available states for smoother placement and compliance A-rated carriers backing the program: Companion Property and Casualty, Companion Commercial Insurance, and Utah Business Insurance Co. Guaranteed-cost Workers Compensation offering premium predictability and simpler budgeting Monthly self-reporting payroll options to help insureds manage cash flow Underwriting experienced in hospitality exposures and risk-control guidance tailored to restaurants Underwriting Notes and Minimum Premiums Minimum premiums typically start at $1,000 Experience modification (mod) must be 1.5 or less New ventures and accounts with prior lapses are acceptable Accounts exiting PEO arrangements are considered 24-hour operations and high-risk specialty concepts are not eligible Example fits: You might have a client opening a small quick-service sandwich shop in Nevada with no prior coverage, or an owner-operated bistro in Utah exiting a PEO — both scenarios that can often be placed through this program. Territories and Availability This program is available in the following admitted states: Arizona (AZ), Arkansas (AR), Colorado (CO), Idaho (ID), Illinois (IL), Missouri (MO), Nevada (NV), New Mexico (NM), Oklahoma (OK), Oregon (OR), Tennessee (TN), Texas (TX), and Utah (UT). Why Work With UBIC? UBIC brings carrier-level underwriting focused on small business and hospitality. Agents benefit from competitive admitted capacity, responsive underwriting for restaurant exposures, flexible payroll reporting options, and a streamlined placement process. The program’s guaranteed-cost structure simplifies renewal conversations and helps insureds manage premium volatility. Frequently Asked Questions What types of restaurant accounts are eligible for this program?The program targets small to mid-sized restaurants—quick-service, cafés, bistros, and family-style operations—including new ventures, accounts with prior lapses, and those exiting PEOs. Restaurants that operate 24 hours are not eligible. What states is the program available in?The program is offered on an admitted basis in AZ, AR, CO, ID, IL, MO, NV, NM, OK, OR, TN, TX, and UT. What are the minimum underwriting requirements?Underwriting generally requires an experience modification of 1.5 or less. The program accepts new ventures and accounts with lapses, and minimum premium levels typically begin around $1,000. Is this a guaranteed cost program?Yes. This is a guaranteed-cost Workers Compensation program, which provides stable, predictable premiums rather than retrospective adjustments. Are there flexible reporting options?Yes. Monthly self-reporting is available to help insureds manage payroll reporting and cash flow. Need help placing an account? Connect with a market specialist.

Underwriting Solutions of America, Inc Are you frustrated with PEO or self-insured placements that leave your clients exposed to hidden fees, lost mods, or poor service? Underwriting Solutions of America (USA), a division of All Insurance Underwriters, Inc., offers a better way. As a trusted and preferred PEO vendor for insurance agencies nationwide, USA specializes in PEO/Employee Leasing Programs designed to simplify workers' comp placement, especially for high-risk or hard-to-place classes. Our programs are built with transparency, flexibility, and agent support at their core—making us a go-to partner for agencies looking to deliver long-term value to their clients. Ideal Accounts and Appetite Our PEO program is tailored for accounts that traditional markets shy away from. We welcome: High-risk industries such as roofing, steel erection, bridge construction, logging, and trucking High experience mods (no mod is too high—we specialize in mods over 1.35) Unique or tough class codes that often require creative solutions Staffing companies and labor-intensive businesses USL&H exposures and other complex risks If it's tough to place, it's a great fit for us. Coverage Highlights and Advantages No upfront or audit premiums – Reduce client frustration with unexpected costs “Pay-as-you-go” billing – Improves cash flow and simplifies administration Little to no money down – Ideal for businesses with tight budgets Fast and easy start-up – Get your clients covered quickly Guaranteed cost and deductible options – From as low as $500 per occurrence to $1 million layers Creative deductible programs – Flexible structures to meet your client's needs Residual commissions – Above industry average for agency partners Underwriting Notes and Minimum Premiums Programs are typically written on Multiple Coordinated Policies (MCP) and report to the bureau biannually. All costs are disclosed transparently at the time of quoting—no surprises. Our underwriting approach is common sense-driven, with a focus on educating the insured to reduce losses and improve mod scores over time. Minimum premiums vary by risk and state. Territories and Availability Our PEO programs are available in all 50 states, including DC. Whether your client is located in California, Texas, Florida, or a smaller market like Vermont or North Dakota, we’ve got you covered. Most programs are written on a non-admitted basis, depending on state regulations and class of business. Why Work With All Insurance Underwriters, Inc. Underwriting Solutions of America works hand-in-hand with agents and brokers throughout the quoting, onboarding, and servicing process. Our partners value our responsiveness, transparency, and ability to place accounts that other markets won’t touch. Whether you're placing a start-up roofer or a multi-state trucking operation with high losses, we bring deep expertise and competitive options. Click on our USA Partner Agreement or call today to work with a team that combines underwriting precision with real-world solutions. Currently operating in all states For more information on competitive quotes and details about Underwriting Solutions of America, please visit www.usa4insurance.com Frequently Asked Questions What types of accounts are a good fit for this PEO program?This program is ideal for high-risk industries, high experience mods, tough class codes, and businesses declined by standard markets. Can I place accounts in any state?Yes, this program is available in all 50 states and the District of Columbia, subject to state-specific regulations. What deductible options are available?We offer flexible deductible structures—from guaranteed cost to $500 per occurrence and up to $1 million layers, depending on the account. Are there any upfront premium requirements?No, our PEO program does not require upfront or audit premiums, and most accounts can start with little to no money down. How involved is your team during the onboarding process?Our team works closely with your agency throughout quoting, enrollment, and servicing to ensure a smooth and successful placement. Need help placing an account? Connect with a market specialist.