From sole proprietors to national chains, the risk management and organizational wellbeing needs of the restaurant industry are as varied as the cuisine and the locations. We have honed practice that is able to pivot and flex to meet the spectrum of challenges the restaurant industry faces.
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Customized restaurant insurance and consulting services for all sizes and regions

From a family-owned local restaurant to a beloved regional favorite as a well as a quick service franchise, Gallagher has the experience and expertise to help you identify exposures to reduce risk and improve profitability. Our strategies can be tailored to meet the specific needs of a region, workforce and clientele including:

  • Fine dining restaurants. We support your premium dining operation with comprehensive restaurant insurance coverages and services such as liquor liability, garage-keepers liability and fine arts.
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  • Casual dining restaurants. Gallagher has the expertise to help reduce costs and increase profits for franchisors, association programs and their members. We provide issuance of policies, certificates and premium billings, and comprehensive, customized claims adjudication, processing and management.
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  • Quick-service restaurants. We work with multi-unit food service operators to help them reduce costs and increase profits. Balance sheet enhancement through loss portfolio transfers, high umbrella limits and standardized loss control implementation are some of the methods we will use to help you achieve your business goals.

Restaurant workforce engagement strategies

Creating a dynamic customer experience is at the heart of restaurant industry. Building a culture for your employees to bring their very best service each day will drive your business forward. Whether an individual property or serving global locations, our restaurants benefits consultants will design a strategic benefits and communications program to serve both hourly and salaried employees aligned to your goals. Our programs include:

  • Workforce evaluation tool. We are able to analyze your entire organization to develop coverages and programs that close gaps and improve employee engagement, based on your regions specific needs.
  • Solutions for all parts of the employee cycle. From first-time hires to retirement, we are able to construct programs that support your staff through all parts of their employment journey.
  • Account management. We have developed specialized systems of service and support including, working with unions, coverage and contract analysis as well as facilitating service with carriers. This ensures accurate carrier accounting as well as the efficient issuing of new policies and certificates.

Risk management and benefit solutions specific to the restaurant industry

We take a holistic approach to your business that aids not only strong, basic coverage but develops consulting solutions that solve your biggest challenges and help you protect profit margins and create sustainability. From labor shortages, to keeping quality employees engaged to the shifting costs of food and utilities, we take into account all aspects of your business to provide true risk management and benefits consulting. Our coverage options include:

  • property and crime
  • general liability and umbrella
  • workers compensation
  • liquor liability
  • auto and non-owned auto coverage
  • delivery coverage
  • employment practices liability
  • directors and officers liability
  • cyber/privacy liability
  • food-borne illness liability

Risk management designed to improve restaurant business

We take a consultative approach that works with the spectrum of restaurant types and employee base you have. Our long-standing relationships with restaurant insurance carriers combined with our alternative risk financing expertise deliver better pricing and coverage to you.

All restaurants need to have solid loss prevention and safety strategies. We will work with you to assess and reduce the frequency and severity of losses, train your employees on safety with leading OSHA training techniques to lower your risk while protecting employees and the public.

Dedicated claims advocacy to resolve issues

Having a dedicated claims advocate to manage claims ensures adequacy of reserves and speed to resolution from property and casualty to workers compensation claims. The Claims Advocacy team creates consolidated reports, reviews workers compensation claims, and works directly with underwriters and carriers to make sure your claims are processed and paid timely. Our team performs reviews with carriers as well as following up on accountability issues regarding agreed-upon reserve reductions and resolution action plans.

Gallagher’s Pizza Program

In response to the unique challenges of pizza and other delivery restaurant operators, Gallagher’s restaurant insurance and consulting team developed the Gallagher Pizza Program. Underwritten by A-or higher-rated insurance carriers, the Pizza Program offers preferential pricing, coverage and unparalleled customer service to operators. The Pizza Program offers customers:

  • 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 and full backroom support for all driver activities such as MVR monitoring services and driver training
  • 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.

Restaurant Summary

  • Consulting level service for all types of restaurant formats
  • Strategies that help with retention and attraction of staff
  • Dedicated claims management for proactive property and casualty management
  • Tailored solutions based on region and need

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