The restaurant segment faces complex and diverse risks. At IPOA, we understand these unique exposures and have created an exclusive program to address and respond to the threats restaurants face. Whether it’s a fine-dining establishment, a national or regional fast-food chain, a family-style eatery with a buffet, or a local diner, we can help you design a personalized program that fits your individual restaurant’s operation.

As a Lloyd’s of London cover holder, IPOA exclusively provides property and general liability solutions.

Commercial Property Underwriting/Program Features:

  • Property and General Liability solutions
  • $5 million limit per location with no territory restrictions for All Risk
  • Named Storm for all states and counties including Florida
  • 1989 or newer unless completed “gut renovated
  • All construction types with preferred pricing for sprinkler-protected risks
  • Class K fire extinguisher in all kitchen areas
  • Risks with delivery are acceptable – no HNOA
  • Liability (non-auditable policies are available)
  • Commercial Property: Tier 1 $10,000 minimum premium
  • Commercial Liability: $5,000 minimum premium

Restaurant Program Extensions:

  • Equipment, media, extra expense
  • Employee dishonesty
  • Fire department service charge
  • Fire protection equipment recharge
  • Forgery & alteration
  • Money & securities- inside/outside
  • Outdoor property
  • Outdoor signs
  • Outdoor trees, shrubs, and plants (limit $1,000 per Item)
  • Ordinance or law- A
  • Ordinance or law- B & C
  • Spoilage
  • Utility services failure


IPOA’s brokerage division provides you with access to markets for property insurance solutions that fall outside of RestaurantPro. This allows you to look to one resource to place and write accounts in specific niche markets. It also eliminates having to shop around with multiple wholesalers, which may hinder your access to specific restaurant markets.

Commercial Property – Brokerage Capabilities:

  • All states
  • Fast food to fine dining
  • Franchise and independent restaurants
  • All construction classes
  • Coastal locations
  • $15,000 minimum premium

Commercial Liability – Brokerage Capabilities:

  • All states
  • Fast food to fine dining
  • Liquor liability available
  • No assault and battery restrictions
  • $5,000 minimum premium