Unique restaurant insurance programs for unique needs

Partner with us and you will have access to our innovative restaurant industry solutions that address liability and risk. These include:

When we put our clients on the path to solid risk management it helps them reduce costs, increase profits and maximize cash flow. They will also have an improved bottom line and gain an immediate advantage in the marketplace. Restaurants First is an exclusive Gallagher program that's dedicated to providing solutions for all registered agents and brokers, and is committed to writing new business. Members benefit from Restaurants First’s competitive commission structure, flexible underwriting, exceptional account service and pioneering safety and claims advocacy experience, combined with our comprehensive coverage capabilities.

Program benefits include:

  • Exclusive access to SPARTA Insurance.
  • Flexible, sensitive and real-time underwriting.
    • Drive-through/curbside credit
    • InCONTROL's loss prevention
    • Competitive pricing just right for franchised fast-food restaurants

Coverage areas include:

  • General liability — first-dollar, non-auditable policy.
    • Auto and property coverages
    • Property and crime coverage
    • Workers compensation
    • Crime risk exposures and solutions
    • Liquor liability
    • Employment practices liability
    • Cyber/privacy liability

In response to the unique challenges of pizza restaurant operators, Gallagher’s Restaurant Practice experts developed the Pizza Program, which is underwritten by an A-rated insurance company. This unique program can help operators reduce costs and increase profits with exclusive solutions that offer members preferential pricing, coverage, service and availability. In addition to receiving prompt, straightforward customer service, other benefits include: 

  • Creative solutions for tough coverage issues such as delivery concerns and difficult property locations.
  • A programmed risk management approach that protects you now, and ensures a stable pricing model into the future.
  • Knowledge of new trends and issues facing the restaurant industry that comes from our broad involvement with this sector.
  • Expert services from experienced loss prevention and claims professionals.
  • Alternative risk finance expertise (captives, rent-a-captives, self-insurance programs) for different funding mechanisms that can protect you from market fluctuation and keep costs down.

Specialty coverages in the Pizza Program include business owners liability, employment practices liability, non-owned auto protection, umbrella protection and workers compensation solutions.