https://completemarkets.com/company/usrisk/Restaurants-Workers-Compensation-Insurance/
Overview — Restaurants Workers Compensation Insurance from U.S. Risk Insurance Group, Inc.
U.S. Risk Insurance Group, Inc. offers a dedicated Restaurants Workers Compensation Insurance program designed for independent agents who place restaurant risks of all sizes. This program pairs experienced underwriting with A-rated carriers, loss control tools and focused claims handling to help control frequency and severity for restaurant employers — from single-location family restaurants to multi-state franchise operations.
Ideal accounts and target classes
This program is built for a broad range of restaurant operations. Typical targets include:
Franchise restaurants and multi-unit owners
Fine dining and upscale establishments
Family-style and casual dining restaurants
Lodging restaurants and hotel food & beverage outlets
Taverns, bars and brewpubs
Catering operations (on- and off-site)
The appetite includes both single- and multi-location risks and can accommodate new ventures and complex staffing exposures.
Coverage highlights and advantages
Workers' compensation coverage tailored to restaurant-specific exposures (slips, cuts, burns, delivery exposures, etc.).
Access to A-rated carriers with broad territorial reach to support multi-state placements.
Loss control tools and resources aimed at kitchen safety, ergonomic improvements and alcohol-service risks.
Claims handling coordinated with vendor partners to promote cost containment and return-to-work strategies.
Flexibility to consider accounts with higher experience modification factors and multi-state payrolls.
Underwriting notes and submission requirements
Underwriters will consider a wide range of restaurant operations but do exclude certain high-risk classes such as quick-serve drive-through chains for delivery exposures (confirm on submission). Key underwriting points:
New ventures and start-ups eligible — provide staff projections and safety plans when available.
Multi-location and multi-state risks are eligible; scaled quoting available for larger accounts.
Delivery operations are acceptable except for fast-food delivery-only models in some situations.
Underwriters will review experience modification factors and can entertain higher mods with proper loss control plans.
Standard submission items:
Completed ACORD application
Currently valued loss runs (typically 3–5 years)
Mod worksheet and large account supplemental for risks expected to exceed $75,000 in annual premium
Example accounts that fit well
You have a 3-unit family-style restaurant with moderate payroll seeking better loss control resources and multi-state coverage — this program can provide consolidated placement with proactive claims services.
A fine-dining single-location restaurant with seasonal staff and liquor exposure looking for A-rated carrier capacity and return-to-work programs to control claims cost.
Territories and availability
Available in the following states and territories: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI.
Why place restaurant workers' comp with U.S. Risk
Managing General Agency expertise that understands restaurant operations, payroll patterns and seasonal staffing.
Access to admitted markets and A-rated carriers with national reach for multi-state owners.
Practical loss control and claims strategies that help agents demonstrate value to clients by reducing total cost of risk.
Streamlined underwriting for multi-unit accounts and tailored submissions for accounts with higher payroll or experience mods.
If you represent multi-unit restaurant owners or operators with specialized exposures, discuss this program with your U.S. Risk underwriter to explore available capacity and loss control partnerships.
Frequently Asked Questions
What types of restaurant accounts are the best fit for this program?The program works well for franchise and multi-unit owners, fine dining, family-style restaurants, taverns/bars, lodging food & beverage outlets and catering operations. Delivery is eligible in many cases except for some fast-food delivery-only models.
What submission materials does U.S. Risk require?Provide a completed ACORD application, currently valued loss runs (typically 3–5 years) and, for larger accounts, a mod worksheet and large account supplemental when annual premium is expected to exceed $75,000.
Can U.S. Risk consider high experience modification factors?Yes — the program can entertain higher experience mods if the account demonstrates a plan for loss control, staffing stability, and proactive claims management.
Is this program available for multi-state placements?Yes. U.S. Risk can place multi-location and multi-state restaurant accounts through A-rated carriers listed for the states shown in the storefront availability.
Need help placing an account? Connect with a market specialist.