https://completemarkets.com/company/cochrane-and-company/restaurant-insurance/
Overview — Cochrane & Company Restaurant Insurance
Cochrane & Company’s Restaurant Insurance program is a targeted solution for restaurants, bars, taverns and other food service establishments. As a managing general agency, Cochrane & Company places tailored property and liability packages through a variety of carrier partners to help you protect your restaurant clients’ buildings, equipment, product exposures and third-party liabilities.
Ideal Accounts and Appetite
This program is designed for independently owned food service operations and private clubs. Typical accounts that fit well include:
Fine dining and private clubs
Family-style restaurants
Quick service / fast food locations
Bars, taverns, cocktail lounges and neighborhood pubs
Sports bars and nightclubs (subject to underwriting)
Adult clubs and other specialty night venues
The program generally works best for single-location or small multi-location operations with conventional food service exposures. It is not positioned for large national chains, heavy industrial kitchens, or accounts with unusually high or unreported loss histories without prior approval.
Coverage Highlights and Advantages
Cochrane & Company’s Restaurant Insurance offers a concise set of property and liability features agents can offer to restaurant clients:
Property coverages: Equipment breakdown, business income, food spoilage, hazardous substances, data restoration, and choice of replacement cost or actual cash value.
Liability capacity: General liability limits up to $2,000,000 and products/completed operations aggregate limits up to $2,000,000. Personal & advertising injury and each occurrence limits are available up to $1,000,000.
Additional limits: Fire damage limits up to $100,000 and medical expenses up to $1,000 are available as part of the package.
Optional enhancements: Liquor liability, employee benefits liability and hired & non-owned auto coverage can be added where appropriate and available.
Underwriting Notes and Minimum Premiums
Underwriting is handled through Cochrane & Company’s MGA platform with carrier selection that varies by account. Key points for submissions:
Provide current loss runs, menu or service description, estimated annual receipts and details on any alcohol service for quick appetites decisions.
Liquor liability is offered as an optional coverage but will be underwritten based on operations, training, security and prior incidents.
Minimum premium and specific pricing vary by carrier and state—please note minimum premium information is variable and shown as "Varies."
Territories and Admitted Status
This program writes in Idaho (ID), Montana (MT), Oregon (OR) and Washington (WA). The program is offered on a non-admitted basis (no admitted filings); carrier availability and terms will vary by state and account characteristics.
Example Accounts That Fit
A single-location family restaurant with annual receipts under your carrier’s threshold seeking equipment breakdown, business income and general liability limits of $1M/$2M.
A neighborhood pub that serves alcohol and wants primary general liability with liquor liability added and food spoilage coverage for refrigeration equipment failures.
Why Place Restaurant Business With Cochrane & Company
As an MGA focused on niche commercial lines, Cochrane & Company combines targeted underwriting for food service exposures with flexible carrier relationships. The program is useful when you need tailored property and liability packages, optional liquor liability, and specialty enhancements like food spoilage and data restoration that typical BOPs may not include.
To discuss a submission, document requirements or carrier appetite for a specific account, contact your Cochrane & Company representative or submit the details through your usual wholesale channel.
Frequently Asked Questions
What types of restaurant accounts are eligible for this program?The program targets restaurants, bars, taverns, private clubs, fast food and similar food service establishments—typically single-location or small regional operations. High-hazard or large multi-state chains generally require separate placement strategies.
What liability limits and coverages are available?General liability limits are available up to $2,000,000 with products and completed operations aggregate up to $2,000,000. Personal & advertising injury and each occurrence limits are available up to $1,000,000. Optional coverages such as liquor liability, employee benefits and hired & non-owned auto can be added subject to underwriting.
Is liquor liability included or optional?Liquor liability is an optional coverage. It will be offered and underwritten based on the account’s alcohol service practices, loss history, controls and any required risk management measures.
Which states does the program write in?The program is available in ID, MT, OR and WA. Availability and terms can vary by carrier and by state.
What documentation should I include with a submission?Include current loss runs (typically 3–5 years), a description of operations and menu, estimated annual receipts, details on alcohol service if applicable, and any risk control measures. Specific carrier requests may vary—reach out to Cochrane & Company for submission guidance.
Need help placing an account? Connect with a market specialist.