Home / Commercial Risk / Restaurants
Restaurants
We allow you to focus on profitability and operational demands while we work to reduce your risk, administrative burden and insurance costs.
-
Casual Dining
-
Coffee Houses
-
Fast Casual
-
Fast Food
-
Fine Dining
-
Franchise Groups
-
Premium Casual
-
Pubs
Expect the same or better coverage, at a better price.
EXCLUSIVE NATIONAL INSURANCE PROGRAM
Fast Casual Restaurants
If you own a fast-casual restaurant, managing insurance across multiple locations is costing you more than you think — in time, money, and coverage gaps. ACO Insurance, in partnership with The Hartford, has developed an exclusive program that consolidates all of your stores onto a single policy at a pre-negotiated rate of approximately $2,500 per location. One carrier, one effective date, one broker — and a nationwide footprint that scales with you.
​
Claims Scenario:
EMPLOYMENT PRACTICES LIABILITY
Several employees sued a restaurant after allegations that their miscalculated overtime pay lost them thousands of dollars over a 3-year period. Some employees also alleged that they were fired as a retaliatory action for their involvement in the lawsuit. The demand for restitution was well over $100,000.
Highlighted Service:
LOSS CONTROL & CLAIMS ADVOCACY
A fast casual restaurant chain was growing quickly began to experience an uptick in work-related injuries. Their staff increased from 15 employees to 45 in less than 18 months. Over that time period, the company suffered (9) workers' compensation claims totaling $297,000. These claims caused their workers' compensation...