INDUSTRIES · RESTAURANTS

From the kitchen line to the delivery driver.

Liability, comp, and benefits for restaurant groups with high turnover and many locations.

Get the restaurants package Coverage finder

Cooks plating dishes on a busy restaurant kitchen line

THE RESTAURANTS STACK

What companies like yours usually carry.

Limits shown are common minimums, not advice.

BOP / general liabilitySlip-and-fall, food contamination, property$1M / $2MREQUIRED Workers' compBurns, cuts, and kitchen injuriesStatutoryREQUIRED Commercial autoDelivery drivers in personal cars$1M HNOARECOMMENDED Employment practicesHigh-turnover staff claims$1MRECOMMENDED UmbrellaLiquor liability and landlord requirements$2MCONSIDER

01
Per-location policies
One program across every site.
02
Tipped wages in comp
Premiums calculated correctly on tips.
03
Benefits for managers
Plans that keep your best people.

TOP RISKS WE PLAN FOR

01Slip-and-fall and foodborne illness. Guest injuries drive GL claims.
02Kitchen injuries. Burns and cuts drive comp.
03Delivery drivers. Personal vehicles used for work need hired and non-owned auto.

RESTAURANTS QUESTIONS

Is liquor liability included?: It can be added to your GL or umbrella program.
How are tips handled in comp?: Premiums are calculated correctly on reported tips.

YOUR PROGRAM AT A GLANCE

Every line a restaurants company typically needs, on one application.

PROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business property WORKFORCEWorkers' compPay-as-you-go premiums billed with each payroll PROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and drivers WORKFORCEEmployment practicesWrongful termination, harassment, discrimination claims PROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liability

HOW IT WORKS FOR RESTAURANTS

01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
02Market to carriers. We submit to carriers that actively write restaurants risks.
03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.

WHAT WE'LL NEED TO QUOTE YOU

APPLICATIONS

ACORD 125
ACORD 126
ACORD 140
ACORD 130
ACORD 127
ACORD 129
Carrier supplement
ACORD 131

DOCUMENTS

Revenue and operations description
Statement of values by location
Loss runs, 3–5 years
Payroll by class code (from payroll)
Current policy declarations
Experience mod worksheet
Vehicle schedule with VINs
Driver list with license numbers

AFTER YOU BUY

Certificates on demand
Issue COIs with additional insureds from your dashboard.
Claims advocacy
Your advisor works the claim with the carrier.
Audits without surprises
Payroll-based premiums reconcile as you go.
Renewal planning
Options on the table 60 days before renewal.

WORTH CONSIDERING

EMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriers EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disability FINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claims FINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your services

WORKERS' COMPClass codesWhat each code covers, for restaurants.TOOLCoverage finderCheck required lines for your states.TOOLSavings calculatorEstimate first-year value.GUIDELeaving a PEOOwn your plans and policies.WORKLIO HCMPayroll for restaurantsIndustry pay rules, on one platform.

$35+ Billion
PAYROLL AND TAXES PAID
23+ Million
ACH TRANSACTIONS
4.3+ Million
W-2S / 1099S PROCESSED
2.8+ Million
EMPLOYEES PAID

TRUSTED BY PARTNERS INCLUDING

OTHER INDUSTRIESSenior care Healthcare Behavioral health Dental + veterinary groups Manufacturing Construction Auto dealer groups Franchise groups Staffing Facility services Logistics Hotels Professional services Education + childcare Nonprofits

See your rates before your next renewal.

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