https://completemarkets.com/company/pmcinsurance/restaurant-workers-compensation-insurance/
Overview — PMC Insurance Group Restaurant Workers' Compensation Program
PMC Insurance Group, acting as a wholesale broker, offers a dedicated Restaurant Program for Workers' Compensation Insurance designed for independent agents and brokers placing restaurant-related accounts. This program provides broad appetite across common restaurant classes and speciality food service operations, with flexible placement options and access to multiple carriers. Minimum premium starts at $2,000.
What this program covers for your clients
This workers' compensation program is aimed at restaurants and food-service operations that need standard workers' compensation coverage, including payroll-based limits, statutory benefit coverage, and the employer liability components common to restaurant exposures. The program helps manage the specific workplace risks in food service — slips and falls, lifting and delivery exposures, alcohol service liability (where applicable to workers' comp payroll classifications), and employee injury trends tied to kitchen and delivery work.
Ideal accounts and target classes
Bakery — wholesale and retail, including doughnut shops
Ice cream and frozen yogurt shops
Restaurant NOC and fast casual restaurants
Fast food restaurants and pizza delivery restaurants (minimum 2 years in business for delivery accounts)
Catering companies and dinner theatres
Bars & taverns (subject to underwriting review)
Franchises eligible. The program also supports middle-market accounts and dividend program structures for qualifying restaurants.
Appetite, restrictions and examples
PMC's appetite favors established operations with documented controls and loss history. Typical fits include single-location and small multi-location eateries with stable payroll and safety protocols. Delivery operations are eligible when the restaurant has been in business at least two years. Higher-risk accounts (for example, newly formed multi-location chains without loss history, severe prior loss patterns, or high-risk nightlife venues) may require referral or will be evaluated on a case-by-case basis.
Example fits for your book:
A five-year-old pizzeria with delivery drivers, written payroll consistent with prior filings, and three years of modest loss history — good candidate for standard placement under the pizza delivery class.
An established catering company with steady seasonal payroll, OSHA-like safety programs, and three years of currently valued loss runs — fits the program’s appetite and may qualify for middle-market structures.
Coverage highlights and advantages for brokers
Access to multiple carriers through PMC’s wholesale distribution — helpful when local admitted capacity is constrained.
Support for franchise operations and middle-market accounts, including dividend program options.
Minimum premium thresholds suitable for small to mid-size restaurants (minimum premium $2,000).
Underwriting geared toward food service exposures — faster, more relevant risk decisions compared with generalist markets.
Underwriting requirements
Standard submissions require a completed ACORD application, 3–5 years of currently valued loss runs, and a MOD (Experience Modification) sheet. Underwriters will review payroll splits, delivery operations, alcohol service exposures (for bars/taverns), safety programs, and any prior loss trends.
Territories, admitted status and carriers
Program availability: All Available Markets. PMC places business across the following states and territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier access is variable — PMC works with various admitted and non-admitted markets depending on state rules and specific account characteristics.
Why place restaurant workers' comp with PMC Insurance Group
Wholesale broker specializing in middle-market restaurant placements and dividend program options.
Experienced underwriting focus on restaurant exposures — quicker, pragmatic risk evaluations tailored to food service.
Flexible market access across many states with the ability to consider admitted and non-admitted solutions where appropriate.
If you have a restaurant account that needs workers' compensation placement, prepare the required submission documents and present the loss history and payroll detail to PMC to get timely consideration.
Frequently Asked Questions
What types of restaurant accounts are a good fit for this program?Established restaurants and food-service businesses such as bakeries, ice cream shops, fast food, pizza delivery (minimum two years in business for delivery), caterers, dinner theatres, and bars/taverns are primary targets. Franchise locations and middle-market accounts are also considered.
What documents are needed to submit an account?Provide a completed ACORD application, 3–5 years of currently valued loss runs, and the account’s MOD (experience modification) sheet. Include payroll detail and any safety program documentation to speed underwriting.
What is the minimum premium and are dividend or specialty programs available?The program’s minimum premium starts at $2,000. PMC can consider middle-market placements and dividend program structures for qualifying restaurants — indicate interest in these options on the submission.
Which states and admitted options are available?PMC places this program across the listed states (AL through WY and DC). Capacity may include admitted and non-admitted markets depending on state regulations and the specific account; underwriting will confirm available options.
How are delivery operations evaluated?Pizza delivery and similar delivery exposures are eligible when the business has at least two years in operation. Underwriters will review driver hiring practices, vehicle controls, and loss history to determine final terms and pricing.
Need help placing an account? Connect with a market specialist.