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...irectors and Officers and Entity Liability Insurance Employment Practices Liability Insurance Fiduciary Liability Insurance Comprehensive Management Liability Coverage From U.S. Risk U.S. Risk I...limits for D&O, EPLI, and Fiduciary Liability, depending on the needs of your ...

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.

IPMG (Insurance Program Managers Group) offers a specialized Crime Coverage Insurance program that helps agents and brokers place standalone protection for clients that face financial loss from criminal acts. Through IPMG’s relationships with multiple E&S markets, you can access monoline crime solutions tailored for private and publicly traded companies, not-for-profits, and public entities. Ideal Accounts and Appetite This program is designed for insureds that need a dedicated crime policy as part of their enterprise risk management. Target classes include: Mid- to large-size private or public companies with significant cash handling, receipting, or electronic transaction volume Municipalities and other public entities exposed to internal or external fraud risks Not-for-profit organizations that handle donations, grants, or other funds vulnerable to employee dishonesty You might have a client such as a regional nonprofit with multiple fundraising channels or a local government office with decentralized cash handling—both would benefit from a monoline crime program placed through IPMG. Coverage Highlights and Advantages IPMG’s Crime Coverage Insurance program offers broad protection for a full range of crime exposures: Employee Theft and Employee Dishonesty Forgery and Alteration of checks, credit card receipts, and other negotiable instruments Theft, Disappearance and Destruction (on and off premises) Computer Fraud and Funds Transfer Fraud Money Orders and Counterfeit Currency losses Key policy features and options: Primary and excess limits available to build layered programs Discovery form wording Worldwide coverage options where appropriate Limits available up to $10 million, subject to underwriting The program is structured to address both internal threats (employee dishonesty, collusion) and external schemes (cyber-assisted fraud, social engineering, forged instruments). Underwriting Notes and Minimum Premiums As a managing general agency and E&S broker, IPMG underwrites accounts with flexibility based on complexity and exposures. Preferred submissions include: Recent financials and loss runs Description of internal controls, segregation of duties, and treasury procedures Details on electronic payment and funds transfer processes Minimum premiums vary by class, limits, and coverage scope—submitters should expect underwriting questions about controls and loss history to determine pricing and eligibility. Territories and Availability This non-admitted program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Agents and brokers writing business in these states can access IPMG’s E&S markets for competitive placement options. Why Work With IPMG? IPMG combines niche commercial program experience with direct access to multiple excess & surplus markets. That means: Responsive underwriting geared to complex or unusual crime exposures Flexible placement options, including primary and excess layers A partnership approach for agents—IPMG supports submissions, negotiates terms, and helps structure limits and retentions Whether you’re placing a municipality, a multi-site nonprofit, or a growing company with heavy transaction volume, IPMG can help secure tailored crime protection where admitted markets may not be available or sufficient. Give us a call for more information about IPMG's Crime Coverage Insurance! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include private and public companies, municipalities, and nonprofits that handle significant cash flows or financial transactions and need protection against fraud, theft, or employee dishonesty. Is this coverage available on an admitted basis?No. This program is offered on a non-admitted basis through multiple E&S markets accessed by IPMG. What is the minimum premium for this program?Minimum premiums vary depending on the risk profile, selected limits, and coverage options. Contact IPMG for specific underwriting guidance and premium indications. Can this policy be written as excess over another crime policy?Yes. IPMG can provide both primary and excess limits to create layered coverage structures when appropriate. Which states is this program available in?This program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Need help placing an account? Connect with a market specialist.