Restaurant Umbrella Insurance

Brokers, Restaurant Owners and Managers can rest easy knowing their best interests are being protected when they “Think McGowan.”

McGowan Program Administrators offers restaurant insurance for restaurants.

McGowan Program Administrators Restaurant Umbrella policy provides restaurants owners the peace of mind that accompanies having the type of insurance coverage that manages to expect the unexpected. Managing a restaurant risk comes with its fair share of threats. No matter if your risk is a single store or has multi-location and multi-state operations, McGowan can help. In addition, the umbrella coverage also aggregates per location, so restaurant owners and managers need not worry about obtaining multiple overlapping and redundant policies.

Get a Restaurant Insurance Quote

Cover All Your Bases

McGowan Program Administrators Restaurant Umbrella policy includes limits of $1 million to $15 million. The umbrella policy covers the following eligible classes:

  • Fine Dining
  • Casual Dining
  • Fast Casual
  • Caterers & Banquet Halls
  • Fast Food
  • Franchises
  • Private Dining Clubs
  • Sit-Down Restaurants
  • Take-out Restaurants
  • Institutional Food Services
  • Private Dining Clubs
  • Cafeterias

Product Overview

Products: Umbrella

Limits: $1MM to $15MM

Carrier: “A” Rated Carriers / Admitted Paper

Territory: All 50 States

Required Underlying Rating: A- / VI

Available “Follow Form” Coverages

  • Automobile Liability
  • Employers Liability
  • Employee Benefits Liability
  • Liquor Liability

Special Features & Coverages

  • No Shared Limits – Each Insured Receives its Own Policy & Policy Number
  • Aggregates Per Location

Partnering with McGowan

Most lawsuits filed against hospitality risks stem from food-related issues and managers need to know their stores and assets are safeguarded in the event of an accident. Brokers who partner with McGowan Program Administrators Restaurant Umbrella policy can find the necessary coverage for any food enterprise, from private caterers to corner delis to high-end gourmet shops. By utilizing the “Power of the Pen,” McGowan bundles together unique and distinctive insurance policies.

Download: Restaurant Umbrella Insurance Brochure

Download: Restaurant Owners Umbrella Application
Download: Restaurant Owners Multiple Locations Supplemental Spreadsheet

If your submission has multiple locations, please request a Multiple Locations Application & Supplemental Spreadsheet via email.

To Obtain Quotes

Pricing indications are provided with the submission of our application. Quotes are subject to the following:

  1. A thoroughly-completed application;
  2. Three years of currently-valued (generated within the past six months) hard copy, GL carrier generated loss runs.

To Bind Coverage

The following items are required in order to bind coverage:

  1. A written request to bind;
  2. A thoroughly-completed application;
  3. Three years of currently-valued (generated within the past six months) hard copy, GL carrier generated loss runs.
  4. Declarations pages of the underlying GL policy, showing all terms and conditions.

Contact: Emily McKitrick

How restaurants can avoid Chipotle’s food contamination pitfalls.
Read the blog

New Call-to-action