Insurance for multi-location restaurant groups.
Running multiple locations turns insurance into a coordination problem: schedules of property, aggregate limits shared across sites, payroll across locations, and umbrella coverage that has to sit over all of it.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
Coordinating coverage across sites
Locations added over time often end up on different policies with inconsistent limits and renewal dates. Reviewing them together is where gaps, overlaps, and chances to simplify show up, and where a shared aggregate limit can leave a busy location underprotected.
Property, payroll, and cyber at scale
Each location adds property values, a lease, and staff, and a group-wide POS or online-ordering system makes cyber a shared exposure. Schedules of property and accurate payroll keep coverage and the workers comp audit clean.
Umbrella over the whole group
With more locations comes more total liability exposure, so umbrella and excess coverage that sits over every site, at the right limit, becomes central. We confirm the umbrella actually covers the whole group.
Common questions.
What insurance does a multi-location restaurant group need?
Why review all locations together?
Does one aggregate limit cover all my locations?
Does your coverage match how you operate?
Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.
Coverage coordinated across every location.
Tell us about your locations and we will coordinate coverage so none of them has a gap.