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Fine Dining Restaurant Insurance from ProHo... placing coverage for a long-standing fine dining restaurant with an extensive wine ...

...ers Agency, LLC offers a dedicated Fine Dining Restaurant Insurance program bu...s to multiple markets that understand fine dining risks. Agents benefit from respons...

...spectrum of dining operations—from fine dining and casual family restaurants t...od, buffet, casual and family dining, fine dining, and franchise chains are all idea...

... compensation coverage tailored to fine dining, family dining, and fast casual...s program?This program works well for fine dining, family dining, and fast casual restaurants, incl...

...IPOA) offers a specialized Casual Dining Restaurant Insurance program designed...ndependent or franchise-owned casual dining restaurants with table service, bu...

...tes a quick-service franchise or a fine dining establishment, Axiom provides t...t classes—from fast food and cafés to fine dining and banquet halls. Accounts with o...

... Fast Food Delivery Services Fine Dining Restaurants 24-Hour Eateries ...?This program is ideal for fast food, fine dining, 24-hour eateries, multi-state cha...

...r, a family-style restaurant, or a fine dining establishment, Insurance Bistro’s pro...r exposure, entertainment, or unique dining experiences. Is this program admit...

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.