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Take Out Restaurant Insurance Insurance Program Managers Group (IPMG) offers a specialized Take Out Restaurant Insurance program for foodservice operations with substantial take-out or delivery exposure. If a restaurant derives at least 35% of receipts from take-out or delivery, this program provides targeted liability and property coverages designed to address those off-premise risks. Ideal Accounts and Appetite This program is a strong fit for agents placing restaurants where off-premise sales are a significant portion of business. Typical accounts include: Family-style restaurants that prepare food on-site, have 35%+ of sales from take-out/delivery, and no more than 10% of total sales from alcohol. Quick-service or limited-seating operations (fewer than 20 seats or about 4 tables) with no alcohol sales and a heavy take-out/delivery mix. Eligible operations commonly placed through this program include: Asian restaurants Sub and sandwich shops Bagel and donut shops Coffee shops Food court restaurants in malls Coverage Highlights and Advantages IPMG’s Take Out Restaurant Insurance focuses on the exposures created by high off-premise sales. Key coverages available include: General liability tailored for foodservice operations Commercial property for building contents and equipment Liability-only accounts start at $600, with package minimums beginning at $900. Policies are placed on non-admitted paper through A-rated carriers, providing capacity and underwriting expertise for risks that may be difficult to place in standard markets. Underwriting Notes and Minimum Premiums Underwriting review is required for every submission. Some small operations may qualify as non-auditable if annual receipts are under $500,000—this can simplify placements for lower-revenue clients. Appetite is focused on single-location, on-site food preparation with substantial take-out/delivery volume; higher-risk exposures (extensive alcohol sales, multiple locations, or significant catering/onsite event exposures) will generally be declined or require separate review. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Contact the appropriate state representative below to discuss specific submissions, appetite nuances, and available limits. Why Work With IPMG? IPMG specializes in niche commercial programs and offers agents access to markets that understand take-out and delivery-focused restaurant risks. The underwriting team has experience placing accounts that do not fit typical restaurant markets and can help identify the right structure and limits for off-premise exposure. Whether your client runs a busy sandwich shop with no seating or a family-style kitchen offering curbside pickup and limited alcohol sales, IPMG can help place the account efficiently and competitively. Program Contacts by State Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with 35% or more of sales from take-out or delivery, including sub shops, coffee shops, and Asian restaurants. Family-style restaurants with limited alcohol sales may also qualify. Is this program available in my state?This program is available in FL, IL, IN, IA, and MO. Contact the corresponding state representative for submission details. What coverage options are available?Coverage includes liability and property. Packages start at $900, and standalone liability starts at $600. Are small operations eligible?Yes, risks with under $500,000 in receipts may be considered non-auditable, making the program accessible for smaller businesses. Who underwrites the policies?Coverage is written on non-admitted paper through A-rated carriers, ensuring strong financial backing and underwriting expertise. Need help placing an account? Connect with a market specialist.