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...) market designed for restaurants, bars and foodservice operators. As a progra...Independent restaurants, neighborhood bars, quick-service and small multi-unit...

...welry Fine Arts Silver Wines Sports Memorabilia You might...alue items such as jewelry, fine art, wine collections, silverware, or sports ...

... high-end bistro with an extensive wine list, or a destination restaurant with... 65% liquor by revenue when a curated wine list and responsible alcohol contro...

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.

...ted alcohol by the bottle and beer/wine sales under 20% of revenue — ideal for...

... this program: a regional food and wine festival with live entertainment and a...

...ce stores that sell packaged beer, wine or spirits Small to mid-sized liqu...r market that sells packaged beer and wine plus refrigerated grab-and-go food—...

...shows Car shows, flea markets, wine tastings, bingo nights Sporting ev...

...s Retail locations selling beer, wine, and spirits Multi-location operator...

ProHost Catering Insurance is a specialized program designed to meet the unique insurance needs of off-premises caterers. Backed by ProHost USA, Inc.—a trusted program administrator with deep expertise in hospitality and foodservice risks—this program offers comprehensive coverage and fast underwriting turnaround for a wide range of catering operations. Ideal Accounts and Appetite This program is tailored for: Off-premises caterers operating full-time Restaurants with a catering component Corporate event caterers Private party caterers While minimal wedding catering may be considered, the program is best suited for commercial or private event-focused catering businesses. If you have a client with a growing off-site catering arm or a standalone catering business, this program could be a strong fit. Coverage Highlights and Advantages The Catering Insurance Program is structured as a package policy and offers a robust mix of coverages designed to protect your clients from the unique exposures they face in the field. Highlights include: Package policy tailored for catering operations Admitted coverage in most states Workers’ Compensation, EPLI, and Excess/Umbrella available in most states Commercial Auto considered when written with the package Quick quoting process with responsive underwriters Whether your client is transporting food, managing temporary staff, or operating at multiple venues, this program provides flexible protection built for their operations. Underwriting Notes and Minimum Premiums With a minimum premium starting at $5,000, this program is competitively priced for established or growing catering operations. ProHost’s experienced underwriting team evaluates each account carefully to ensure a good fit and to provide fast, accurate quotes. Accounts with a clean loss history, professional operations, and a focus on non-wedding events are particularly desirable. Risks involving high liquor exposure or heavy wedding specialization may be outside appetite. Territories and Availability The ProHost Catering Insurance Program is available in most states, including but not limited to: CA, FL, IL, NY, TX, and WA. Coverage is written on an admitted basis in most of these territories through a variety of admitted carriers. Why Work With ProHost USA, Inc.? ProHost USA, Inc. is a leading program administrator with decades of experience in the hospitality space. Their focused expertise, fast quote turnaround, and commitment to service make them a reliable partner for agents and brokers placing catering risks. From restaurants expanding into catering to full-fledged catering businesses, ProHost offers the flexibility and insight needed to support your clients’ evolving operations. Contact ProHost today for all your Catering Insurance risks! Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for full-time off-premises caterers and restaurants with a catering component, especially those focused on corporate and private events. Is wedding catering eligible under this program?Minimal wedding catering exposure is acceptable, but the program prefers accounts that focus on corporate or private events. Can commercial auto coverage be included?Yes, commercial auto can be considered when written in conjunction with the package policy. What is the minimum premium for this program?The minimum premium starts at $5,000, making it suitable for established or growing catering operations. In which states is this program available?The Catering Insurance Program is available in most states, including CA, FL, IL, NY, TX, and WA, among others. Need help placing an account? Connect with a market specialist.