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.
https://completemarkets.com/company/afcins/Pizza-Delivery-and-Deli-Operators-Insurance/
Pizza Delivery Insurance is our specialty! This program from AFC Insurance Inc. is designed to meet the unique needs of pizza restaurants and deli operators—whether they offer delivery services or not.
Our comprehensive solution is written on a Business Owners Policy (BOP) platform and includes a wide array of coverage enhancements tailored for small businesses. Ideal for independent "Mom and Pop" pizza shops as well as certain pizza delivery franchises, the program offers vital protection for key exposures in the food service industry.
Pizza Delivery Insurance
Ideal Accounts and Appetite
Agents can confidently place accounts such as:
Independent pizza restaurants with or without delivery services
Delis and sandwich shops with limited cooking operations
Franchise pizza operators (excluding major chains like Domino’s)
This program is a great fit for insureds seeking broad protection against property, liability, and delivery-related exposures. Examples include a family-owned pizzeria offering in-house delivery or a local deli that doesn’t deliver but still needs comprehensive BOP coverage with food contamination and crisis response protection.
Coverage Highlights and Enhancements
The base BOP package includes:
Business Personal Property, including Tenants
Improvements & Betterments
Business Liability
Data Compromise
Crisis Management
Food Contamination
Identity Recovery
Blanket Additional Insured
Optional coverages available in most states:
Delivery (Employer’s Non-Owned Auto)
Employer’s Owned Auto
Liquor Liability
Employee Benefits Liability
Payment Card Security Extra Expense
Underwriting Notes and Eligibility
To maintain underwriting integrity, AFC Insurance Inc. considers the following classes ineligible:
Bars with full-service operations
Domino’s Pizza delivery restaurants
Operations that serve hard liquor
Any business with more than 10% total alcohol sales
Monoline auto (e.g., standalone commercial auto for delivery)
Businesses with 25% or more of sales from grilling or frying
Minimum premiums vary depending on the specific risk profile and location.
Territories and Availability
This program is available in all 50 states plus Washington, DC. Whether your client is in a metro area or a small town, AFC Insurance Inc. is equipped to provide coverage solutions nationwide.
Why Work With AFC Insurance Inc.?
As a specialized program administrator, AFC Insurance Inc. brings focused underwriting expertise and strong market access for food service operations. We understand the daily risks pizza operators face, from food spoilage to data breaches and delivery-related auto exposures. Our program is crafted with flexibility and breadth to help agents deliver competitive solutions to their food service clients—whether delivery is part of the operation or not.
Let us help you place your next pizza delivery or deli account with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for independent pizza restaurants, delis, and certain pizza franchises that do not exceed limits on alcohol sales or cooking methods. Both delivery and non-delivery operations are eligible.
Is delivery coverage included in the base policy?No, but delivery coverage such as Employer’s Non-Owned Auto and Employer’s Owned Auto can be added in most states as optional endorsements.
Are there specific classes that are not eligible?Yes. Ineligible classes include full-service bars, Domino’s locations, businesses with hard liquor or high alcohol sales, monoline auto risks, and grilling/frying-heavy operations.
Can I write accounts in any state?Yes, the program is available in all 50 states and Washington, DC, making it suitable for agents across the country.
What makes AFC Insurance Inc. a strong partner for this niche?AFC Insurance Inc. specializes in pizza and deli risks and delivers tailored coverage, responsive underwriting, and access to multiple carriers to help agents meet their clients’ unique needs.
Need help placing an account? Connect with a market specialist.