Source: AmTrust — Workers' Compensation
AmTrust Financial Services: Restaurants Insurance Appetite
AmTrust is one of the strongest workers' comp markets for restaurants in the country. Their small business WC program is built for the high-turnover, high-frequency claim environment that restaurants create. Pair the WC with their BOP for a full package — the bundled pricing is competitive and the equipment breakdown coverage handles commercial kitchen risks well. For agents quoting restaurant accounts with 1-50 employees, AmTrust should be among your first three markets alongside Travelers and Progressive.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Commercial Property |
| Umbrella/Excess |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states
Key Features
- One of the top workers' comp writers for restaurants nationwide
- Pay-as-you-go WC billing ideal for seasonal staffing fluctuations
- BOP packages with equipment breakdown for commercial kitchen equipment
- Competitive GL rates for full-service and fast-casual restaurants
- Return-to-work programs designed for high-turnover restaurant environments
Limitations
- Bars and taverns with over 50% liquor revenue may need separate liquor liability placement
- Multi-location restaurant groups above 200 employees may exceed the small business program limits
- Franchise operations with franchisor-mandated coverage specs may need manuscript endorsements not available here
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