Restaurant Insurance Markets

Commercial Insurance Solutions
For Restaurant Risks

At Greenwood General, we give brokers and retail agents access to multiple restaurant insurance markets. Coverage options include General Liability, Commercial Property, Package/BOP, Liquor Liability, and Excess Liability. Appetite spans everyday restaurants as well as more specialized food and hospitality accounts, subject to market-specific underwriting.

Submit a Restaurant Risk → Become a Broker Partner

One Submission, Broad Market Access

A wholesale home for restaurant accounts.

Greenwood gives retail agents access to a broad set of restaurant markets, so accounts ranging from quick-service and fast food to casual dining, full-service, and fine dining have a place to land. Submit the risk and underwriting will match it to a fitting market. Explore all of our wholesale commercial insurance markets.

Quick-service Fast food Casual dining Full-service Fine dining Cafes Coffee shops Juice shops Delicatessens Sandwich shops Pizza Donut shops Ice cream & yogurt Take-out Snack bars Wine-focused Caterers Food trucks

Eligibility is confirmed by underwriting. Submit the account and Greenwood will place it with the appropriate market.

Restaurant Coverage Options

Coverage lines for restaurant accounts

Restaurant placements can be structured monoline or packaged across our restaurant markets. These are restaurant-specific summaries, and each coverage line has its own dedicated page for full detail.

Commercial General Liability

Restaurant general liability may be available monoline or within a package. Relevant exposures can include:

Premises and operations
Products and completed operations / food-related liability
Personal and advertising injury
Hired and non-owned auto where eligible
Employee benefits liability where available
Additional insured, primary & non-contributory, waiver of subrogation
Per-location aggregate options

$495Starting GL minimums

Starting minimums are account-dependent and subject to underwriting.

Commercial Property

Property coverage may include:

Building
Business personal property
Business income
Tenant improvements where applicable
Equipment-related exposures
Food spoilage-related options where eligible

Capacity is driven by construction, cooking type, and sprinkler protection. Higher limits may be available by referral.

Restaurant Package / BOP

Commercial package and BOP options may combine:

General liability
Property
Business income
Equipment breakdown
Liquor liability where eligible
Other selectable enhancements

Packaging can simplify placement when the account fits, subject to underwriting.

Liquor Liability

Liquor liability can be written:

Monoline through qualifying markets
Alongside general liability
As part of eligible package structures

Restaurant liquor placements span limited receipts to substantial alcohol sales, including up to 100% liquor in specialized placements.

Excess Liability

Additional liability capacity may be available above qualifying primary coverage. Greenwood's broader excess platform includes:

Supported excess
Unsupported excess
Lead excess
Higher / layered structures

Availability depends on primary forms, attachment point, underlying limits, operations, and underwriting.

E&S & Specialty

When an account falls outside standard appetite, excess & surplus lines and specialty markets can still be considered.

Non-standard restaurant classes
Higher liquor concentrations
Challenging property or casualty exposures

Available subject to underwriting. Submit near-miss accounts for review.

Coverage summaries are restaurant-specific. For full policy detail, follow the linked coverage pages.

Appetite Highlights

What Greenwood can consider

Across our restaurant markets, appetite reaches from everyday quick-service accounts to full-service, fine dining, and harder-to-place hospitality risks. The highlights below summarize what Greenwood can place.

Everyday restaurant accounts

Cafes, coffee shops, delis, sandwich and pizza shops, donut and ice cream shops, take-out, fast food, and casual dining.

GL, property, and package/BOP options
Competitive starting minimum premiums

Full-service & fine dining

Table service, larger average checks, commercial cooking, alcohol receipts, business income exposure, and higher property values.

Fine dining accounts considered
Package structures available

New ventures

New restaurant ventures are considered, with operator background, experience, and business plan factored into the account.

Startups and experienced operators both welcome

Multi-location restaurants

Single- and multi-location restaurant accounts are considered, including multiple locations under one entity, subject to underwriting.

Per-location aggregate options where available

Restaurants with liquor

Greenwood places restaurants with liquor across the full range of alcohol exposure, from limited receipts to fine dining and bar-forward concepts with substantial sales.

Accounts up to 100% liquor in specialized placements
Assault & Battery available where the exposure warrants

Challenging restaurant accounts

Harder-to-place exposures Greenwood can review include:

Older buildings and frame construction
Coastal properties
24-hour operations
Higher liquor receipts
Challenging casualty exposures
Specialty or E&S restaurant accounts

Liquor Liability Options

Full-spectrum restaurant liquor appetite.

Greenwood places restaurants across the full range of liquor exposure, from limited alcohol receipts to bar-forward concepts and fine dining with substantial liquor sales, including accounts up to 100% liquor in specialized placements. Higher-alcohol operations, late-night service, and Assault & Battery exposures can all be accommodated where the risk supports it. Submit the account and let underwriting place the liquor exposure.

Submit a Risk → Liquor Liability details

Restaurant bar service representing Greenwood General's liquor liability market options for retail agents and brokers

Cooking & Fire Protection

Cooking details matter.

Cooking and fire-protection characteristics strongly influence placement and pricing. Include detailed information with the submission so the account can be quoted without back-and-forth.

Cooking operations

Commercial vs. limited cooking
Type and number of fryers
Frying and flame exposure
Restaurant occupancy

Fire protection

UL 300-compliant extinguishing systems
NFPA 96 ventilation
Hood and duct inspection / cleaning frequency
Sprinkler protection and fire alarms

Submit the details

Fryer count, cooking volume, and suppression systems all shape placement and pricing. Sharing them up front lets underwriting quote without extra follow-up.

Complete cooking and fire-protection details help Greenwood place the account quickly.

Coverage Enhancements

Optional restaurant coverage enhancements

Our market appetite includes optional restaurant coverage enhancements such as those below. Available enhancements vary by program and account.

Equipment Breakdown Food Spoilage Sewer Backup Outdoor Signs Business Income Foodborne Illness Business Interruption Contamination Shutdown Employee Dishonesty Utility Services / Time Element Ordinance or Law Cyber Employment Practices Liability

Food spoilage coverage is available through select markets subject to applicable limits. Not all options are available on every policy.

Help Us Get to Market Faster

Give underwriting the restaurant details that matter.

The items below help route a restaurant account and reach a decision faster. Not every item is required for every account, but a complete file is the fastest path to a quote.

Applications & forms

ACORD 125, applicable GL/property applications, and any restaurant supplemental.

Loss history

Five years of currently valued loss runs.

Operations

Detailed description of operations, restaurant type, and hours of operation.

Receipts

Food sales, liquor sales, total gross sales, and catering receipts.

Entertainment

Any entertainment, amusement, or late-night details.

Property values

Property TIV, construction, and year built.

Building updates

Electrical, plumbing, roof, and HVAC update dates.

Protection

Sprinkler status, fire and burglar protection, and protection class.

Cooking & suppression

Cooking equipment, number/type of fryers, and hood and suppression information.

Requested coverage

Coverage requested and target premium where available.

Submit a Restaurant Risk → View Applications

Wholesale Restaurant Placement

One submission. Multiple restaurant market options.

A broker may have a straightforward cafe one day and a coastal fine-dining account with liquor the next. Greenwood is an MGA with markets for restaurant insurance, and the value comes from multiple commercial insurance markets with different appetites rather than forcing every restaurant into one program.

Submit a Risk → Why Greenwood

Wholesale restaurant insurance markets

Access binding, brokerage, and specialty markets for restaurant and hospitality accounts through one relationship.

Restaurant insurance for brokers

Broad appetite across markets means everyday and harder-to-place accounts each have a path to a quote.

Restaurant underwriting expertise

Submissions are reviewed with practical attention to cooking, receipts, construction, and protection.

Hospitality insurance markets

Restaurant, bar, and broader hospitality exposures across Greenwood's wholesale markets.

Broker FAQs

Restaurant insurance FAQs

Straight answers to common questions brokers ask before submitting a restaurant account.

What restaurant insurance markets does Greenwood offer?

Greenwood General is a wholesale MGA with access to multiple restaurant and hospitality markets. Depending on the account and market, options can include general liability on a monoline or package basis, commercial property, package/BOP, liquor liability, and excess liability. Class eligibility, appetite, and terms vary by market and are subject to underwriting.

Can Greenwood write restaurant general liability on a monoline basis?

Yes. Restaurant general liability may be available on a monoline basis through qualifying markets, or within a package/BOP structure. Availability depends on class, operations, receipts, and underwriting.

Can property and general liability be packaged for a restaurant?

Often, yes. Commercial package and BOP options may combine general liability, property, business income, equipment breakdown, and liquor liability where eligible. Packaging can simplify placement when the account fits the applicable market, subject to underwriting.

What is the minimum premium for restaurant insurance?

Minimum premiums vary by market, state, coverage, and account. Some available options have historically started around $495 for general liability and $750 for property, but these are market-specific and are not universal or guaranteed Greenwood minimums. Final pricing is subject to underwriting.

Can Greenwood write restaurants with liquor sales?

Yes, subject to market appetite. Liquor thresholds vary substantially across Greenwood's restaurant markets. Some programs target lower liquor receipts and refer higher percentages, while other specialty markets can consider higher liquor concentrations. Liquor liability may be written monoline, alongside general liability, or within eligible package structures.

Do you have markets for new restaurant ventures?

Some available markets consider new ventures, while other programs may require prior restaurant experience, such as approximately three years. New venture eligibility varies by market and operator experience, subject to underwriting.

Can Greenwood consider restaurants with older buildings?

Yes, through select markets. Some markets have no fixed building-age cutoff if the property has been adequately updated, with considerations that can include electrical and plumbing updates within roughly 25 years and roof age depending on roof type. Eligibility depends on construction, updates, protection, and overall underwriting.

What information is needed to quote a restaurant?

Depending on the market, submit ACORD 125 and applicable GL/property applications, any restaurant supplemental, five years of currently valued loss runs, a detailed description of operations, restaurant type and hours, food and liquor sales, total gross sales, catering receipts, property TIV, construction, year built, electrical/plumbing/roof/HVAC updates, sprinkler status, fire and burglar protection, cooking equipment, number and type of fryers, hood and suppression details, and requested coverage.

Can I submit a restaurant risk before becoming appointed?

Yes. Brokers can submit a restaurant risk before completing an appointment. Getting appointed can be completed when an account is ready to move forward and takes only a few minutes.

Have a Restaurant Risk?

Let us find the right restaurant market.

From straightforward cafes and quick-service restaurants to fine dining, liquor exposures, and harder-to-place hospitality accounts, submit the risk and let Greenwood review the available markets.