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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.

Looking for a Workers Compensation specialist with access to multiple A-rated carriers? Atlas General Insurance Services offers dedicated Workers Compensation solutions designed for agents who need flexible underwriting and strong carrier options. Whether you’re placing a tough-to-place risk or seeking more competitive options for a client, Atlas provides underwriting flexibility, broad carrier relationships, and services that help agents deliver tailored coverage and value to their clients. Target Industries We Serve Atlas General specializes in a broad range of classes, including: Healthcare facilities and providers Light manufacturing operations Office-based businesses Artisan contractors and plumbers Retail stores and boutiques Restaurants and food service operations Automotive repair shops Hospitality businesses Wholesale and distribution accounts If you have a client in one of these sectors, we can help place the business quickly and competitively—even if they’ve been turned down elsewhere. Program Features and Benefits • Program available exclusively through Atlas General Insurance Services • Appetite includes small to large-size accounts with a $25,000 minimum payroll • Claims handled by Sedgwick Claims Management, providing expert claim administration, utilization review, and MPN coordination • Loss control services to help reduce risk and improve outcomes • Competitive commissions and incentive opportunities for appointed agents • Flexible payment options, including reduced down payments where available • Online quote indications – COMING SOON! Why Work With Atlas? Atlas General Insurance Services is a trusted general agency that gives agents access to multiple A-rated carriers (A.M. Best). Our underwriting team brings deep workers compensation expertise and practical placement strategies, so you can find the right fit for your client’s needs. We emphasize fast, responsive service and a streamlined process. From initial quote to policy issuance and claims handling, Atlas works to keep the placement efficient and professional. Where This Program Is Available Our Workers Compensation Program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Underwriting Overview We write preferred and moderately challenging risks that meet the $25,000 minimum payroll threshold. This program is non-admitted and is supported by multiple A-rated carriers as rated by A.M. Best. You might have a client who runs a growing restaurant with 30 employees or a regional retail chain with a clean loss history—both could be strong fits. If you’re unsure whether a risk fits the program, our underwriting team is available to review submissions and provide guidance. Let Atlas General Insurance Services be your go-to source for Workers Compensation coverage—contact us to learn how we can help you place accounts and support your clients. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program targets a wide range of industries including healthcare, retail, light manufacturing, contractors, restaurants, and more. Accounts with a minimum payroll of $25,000 are preferred. Is this program available in my state?Atlas offers this Workers Compensation program in most states across the U.S., including CA, TX, FL, NY, and many others. Contact us to confirm availability in your specific state. What carriers support this program?The program is backed by multiple A-rated carriers as rated by A.M. Best, ensuring financial strength and stability for your clients. Does Atlas offer any support services for policyholders?Yes, claims are managed by Sedgwick Claims Management, and loss control services are available to help insureds reduce risk and manage claims effectively. Can I get a quote online?Online quote indications will be available soon. In the meantime, our team is ready to assist you with quotes and submissions directly. Need help placing an account? Connect with a market specialist.