Restaurant Insurance

Restaurant Insurance – exclusively with “A+” Rated Carriers

Looking to Place a Restaurant – look no more – we have the market from Fast Food to Fine Dining and everything in between.  We offer a broad range of coverages designed for restaurants.  Our coverage is written through “A +” rated carriers.  We put our knowledge of service industries to work for these food service businesses, offering a comprehensive business owners package (BOP), umbrella, workers compensation and more!  By working together, we can help your restaurant risks focus on what they do best:  providing quality food with friendly service!

You may contact Margie Wicks, our Restaurant Underwriter, by calling 877-456-5323 ext 1877,
emailing restaurant.submissions@afcins.com or margie.wicks@afcins.com.

We entertain risks with:

  • Liquor sales up to 50%
  • Limited food delivery (hired/non-owned auto)
  • Restaurants – full or limited cooking
  • Fast Food or Quick Service Restaurants
  • Cafes
  • Cafeteria Style -  Buffet
  • Catering Services – Banquet Hall
  • Concession Stands/Snack Bars
  • Convenience Stores with Gas Sales (unlimited pumps and attended gas stations open 24 hours)
  • Delicatessens and Sandwich Shops
  • Drive In/Service in Car
  • Ethnic Restaurants
  • Family Restaurants
  • Fine Dining Restaurants
  • Hamburger/Hotdog/Malt Shops/Donut Shops
  • Ice Cream Parlors
  • Pizza Shops
  • Take Out Only (no on-premise food consumption)
  • Business Owners Policy (BOP)
  • Business Auto (limited states)
  • Hired & Non-Owned Auto
    • MVRs, Vehicle Inspection Checklist and Proof of Driver’s Personal Auto Insurance required
    • Driver must be at least 18 years of age and have been licensed for at least two years without interruption.
    • All drivers must be approved by AFC Insurance
  • Employment Practices Liability
  • Employee Benefits Liability
  • Liquor Liability – limited in certain states
  • Umbrella
  • Workers Compensation
  • Additional Coverages Available
  • Monoline Coverages may be available
  • Acord Applications
  • Supplemental Application
  • Auto Supplement & Driver List
  • 5 years of currently valued loss runs (minimum 3 years experience is required)
  • Claims details – if applicable

If you are interested in submitting a risk to our Restaurant Insurance Program, please send the submissions requirements to restaurant.submission@afcins.com.

AZ, CA, CO, CT, FL, GA, IL, KS, MA, MD, MI, MN, MS, MO, NV, NJ, NH, NY, NC, OH, PA, SC, TN, TX, VA