USIHospitality Practice
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Industries · Restaurant groups

Insurance for restaurant groups

Full-service and fast-casual groups with two locations or twenty. One program, one advisor, and renewal dates that line up.

Book a callFind out what your program is missing
What's different

Every location is its own risk

Different buildings, landlords and leases

Each address has its own lease requirements, building age and storm exposure. Coverage has to be right at every one of them, not just the flagship.

Liquor changes everything

A restaurant licence with a food requirement and a full bar licence are priced and excluded differently. The liquor share of sales drives the whole program.

Growth outruns the policy

A new location opens before the policy knows about it. We build a program that adds locations mid-term without starting over.

Coverage

Coverage that matters for restaurant groups

Hover over or tap any line for a plain-English definition.

General liabilitySlips, burns, foreign objects and food borne illness.
Liquor liabilityWith the assault and battery limit checked, not assumed.
Property and business incomeBuild-outs, kitchens and the income lost after a fire or storm.
Spoilage and equipment breakdownWalk-ins, hoods and HVAC, which standard property treats as wear and tear.
Workers' compensationKitchen injuries, with your Experience mod reviewed every year.
Umbrella and excessThe limits your landlords and lenders ask for.
Employment practicesWage and hour and harassment claims, the most common suits against restaurants.
Hired and non-owned autoStaff running to the bank or the supplier in their own cars.
The review

What we check in a restaurant group's program

  • Assault and battery sublimits on the liquor and liability forms
  • Named storm deductibles in dollars, per location
  • Business income limits against each location's actual sales
  • Additional insured and waiver of subrogation for every landlord
  • Coinsurance and valuation on each building and its contents
  • The Experience mod worksheet and class codes
  • Liquor liability limits against your leases and licences
  • Ordinance or law on older buildings
The USI ONE Advantage®

How a program review works

1

Analyze

A 20-minute call about how your business runs, then your policies and loss runs. We read every form and exclusion across your locations and benchmark what you pay.

2

Plan

A plain-English summary of what's covered, what isn't, and what we'd change, with a renewal plan that starts 120 days before your dates.

3

Deliver

We take your program to carriers that want hospitality business, line up your policy dates, and stay with you through claims and the next renewal.

Find out what your current program is missing

A full review of your current insurance program, benchmarked against similar Florida hospitality groups. No cost and no obligation.

Joey Anderton, Hospitality Insurance Advisor · 305-518-1208 · joey.anderton@usihp.com

Book a callHow a review works
Have questions?

Restaurant groups ask us

We have different carriers at different locations. Is that a problem?

It's common, and it's usually where the gaps hide: different limits, different exclusions and renewal dates spread across the year. We map it all on one page first, then decide what to consolidate and when.

Can you line up our renewal dates?

Yes. Each line moves at its own renewal, with a short-term policy or an extension so nothing is canceled mid-term, until everything renews on one date.

What do you need to quote?

Your current policies, three to five years of loss runs, and sales and payroll by location. If you don't have the forms, we can request them from your carriers.