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When you work in the food industry, owners and employees face risks on a daily basis. Restaurants are fast-paced environments where slips, falls, burns, and other workplace injuries are common. From servers navigating crowded dining areas to kitchen staff working with hot equipment and sharp tools, the potential for employee injuries is high—especially during peak hours when speed is critical and safety can be compromised. Keating understands these challenges and offers a tailored Restaurant Workers' Compensation Insurance program through tKg Comp to help agents place and protect foodservice clients. This program provides essential workers’ compensation coverage for a wide range of restaurant operations so your clients can focus on running their business with confidence. Ideal Accounts and Appetite We work with agents to place a variety of food and beverage service operations, including: Fast Food Delivery Services Fine Dining Restaurants 24-Hour Eateries Chain Restaurants Multi-State Exposures Start-Ups (Including High Liquor Sales) In select states, we can also consider risks with bouncers and live entertainment. This program is a strong fit for high-volume or complex restaurant businesses that need reliable Workers' Compensation coverage to meet state requirements and limit operational risk. You might have a client with multiple locations across several states or a newly opened restaurant with elevated liquor sales—both can be good candidates for placement through Keating’s program. Coverage Highlights and Advantages Our Restaurant Workers' Compensation Insurance program is structured to help agents place traditional and non-traditional foodservice risks, including: Restaurants Fine Dining Establishments Bars and Taverns Fast Food Locations Nightclubs The program focuses on efficient claims handling, practical loss control guidance, and flexible underwriting for both start-ups and established brands. Whether a client needs coverage at a single location or for a multi-state footprint, Keating’s relationships with several carrier partners allow competitive placement options and tailored solutions. Underwriting Notes and Minimum Premiums Minimum premium starts at just $1,000, making the program accessible for small and mid-size operations as well as larger multi-location risks. Keating represents several carriers and will work with you to identify the best market based on the client’s size, location, payroll, and loss history. Underwriting will review factors such as liquor exposure, entertainment activities, payroll mixes, and safety programs. High-risk operations may require additional underwriting detail or loss-control measures; Keating’s underwriting team works directly with agents to find practical solutions for complex accounts. Territories and Availability This program is available in most U.S. states, including CA, TX, FL, NY, IL, and PA. We offer nationwide capability across all 50 states and Washington, D.C., which makes it easier to place multi-location and multi-state accounts through a single program. Why Work With Keating? Keating specializes in industry-focused Workers' Compensation programs and, through its partnership with tKg Comp, provides agents with strong carrier access, responsive underwriting, and a broad appetite for foodservice risks. We can help you place accounts that are difficult to write elsewhere—whether due to multi-state operations, liquor exposures, or start-up status. You can rely on Keating to collaborate with you on risk assessment, identify appropriate markets, and support a smooth placement process so your clients get the protection they need while minimizing business disruption. If you're working with a restaurant client who could benefit from specialized Workers' Compensation insurance, contact us today to learn how we can help. We can provide your clients with a sense of peace and mind while they serve happy customers. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fast food, fine dining, 24-hour eateries, multi-state chains, and start-ups with high liquor sales. We can also consider certain entertainment exposures in select states. Is this program available in all states?Yes. Keating offers this Workers' Compensation program nationwide across all 50 states and Washington, D.C. What is the minimum premium for this Workers' Compensation program?The minimum premium starts at $1,000, which helps make the program practical for small to mid-sized restaurant operations as well as larger, multi-location risks. Can Keating help with multi-location or multi-state restaurant businesses?Yes. We specialize in placing multi-location and multi-state exposures and work with carrier partners experienced in handling complex restaurant risks. What makes Keating’s program different?Keating offers access to multiple carriers, industry-focused underwriting, and a broad appetite for foodservice risks—including accounts that are hard to place due to liquor or entertainment exposures. Need help placing an account? Connect with a market specialist.

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