https://completemarkets.com/company/prohostusa/Family-Restaurant-Insurance/
The Family Restaurant Insurance program from ProHost USA, Inc. is designed specifically for independent family-style restaurants and small full-service dining operations. As a program administrator, ProHost USA gives agents access to admitted carriers and underwriting tailored to restaurants that need a straightforward package with liquor liability options and enhanced property and general liability features.
Overview of the Program From ProHost USA, Inc.
This program provides a restaurant package policy that can include liquor liability and several optional coverages commonly requested by restaurant owners. ProHost USA works with various admitted carriers to deliver admitted paper in most states, streamlined underwriting for quick responses, and flexibility for new ventures when the owners or managers bring prior restaurant experience.
Ideal Accounts and Appetite
Independent family restaurants and casual full-service dining establishments
Accounts with up to 40% liquor receipts (eligible for liquor coverage)
Single-location operations and small multi-location groups with standard risk controls
New ventures where the principals have prior restaurant ownership or management experience
Not a fit: high-risk nightclubs, adult entertainment venues, large banquet halls with frequent large events, or accounts with persistent heavy alcohol exposure beyond typical family restaurant levels.
Coverage Highlights and Advantages
Package policy tailored for restaurants, including property, general liability, and optional liquor liability
GL broadening endorsement and enhanced property coverages available
Workers’ Compensation, Employment Practices Liability (EPLI), and excess/umbrella available in most states
Cyber liability can be quoted separately to address point-of-sale and customer data exposures
Experienced underwriting team for restaurant accounts and fast quote turnaround to help you place business quickly
Access to multiple admitted carriers through ProHost USA
Underwriting Notes and Minimum Premiums
Underwriting focuses on the restaurant’s operations, alcohol exposure (liquor receipts), loss history, risk controls (food safety, fire protection, employee training), and management experience. The program’s stated minimum premium is $5,000. New ventures are considered when owners or managers demonstrate prior industry experience.
Territories and Availability
The Family Restaurant Insurance program is available in most states. Current availability includes: AL, AZ, AR, CA, 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Work With ProHost USA on This Business
Specialized restaurant underwriting makes it faster to get an accurate quote and likely coverages suited to the risk
Admitted carrier access in most states for admitted paper where required
Flexible program that accepts new ventures with experienced operators and standard-risk family restaurants
Responsive service and practical endorsements (GL broadening, enhanced property) that agents commonly request for restaurant accounts
Example Scenarios
You might have a two-location family restaurant with steady dine-in business and limited liquor service (liquor receipts under 30%). This program can provide a package policy with liquor liability, property coverage for equipment, and the option to add an umbrella. Or you may place a new owner/operator opening a single-location family diner; if the owner has several years’ experience managing restaurants, the account can be considered under this program.
Frequently Asked Questions
What types of restaurant accounts are a good fit for this program?Independent family-style and casual full-service restaurants with typical food service exposures and up to 40% liquor receipts. Single locations and small multi-unit groups with standard risk controls are ideal.
Can I get liquor liability through this program?Yes. The program includes liquor coverage for eligible accounts; underwriting will consider liquor receipts and service practices when pricing and determining eligibility.
What is the minimum premium and what other coverages are available?The program’s minimum premium is $5,000. Workers’ Compensation, EPLI, excess/umbrella, enhanced property options, and separate cyber liability quotations are available in many states.
Need help placing an account? Connect with a market specialist.