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The McGowan Companies
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The McGowan Companies
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Restaurant Umbrella Insurance

McGowan Program Administrators
Restaurant Umbrella Insurance

Overview of the Program From McGowan

McGowan Program Administrators offers a specialized Restaurant Umbrella Insurance program designed to help agents and brokers serve clients in the food service and hospitality industries. This program offers high-limit umbrella liability coverage tailored to the unique exposures faced by restaurants, caterers, and other food service providers. Whether you're working with a single location or a multi-unit franchise, McGowan provides the flexibility and underwriting strength to support a wide range of restaurant accounts.

Ideal Accounts and Appetite

This program is ideal for insureds in the following classes:
  • Sit-Down Restaurants
  • Family Style Restaurants
  • Fine Dining Establishments
  • Take-Out Restaurants
  • Private Dining Clubs
  • Franchise Restaurants
  • Fast Food Restaurants
  • Cafeterias
  • Institutional Food Services
  • Catering Businesses
If you have clients operating in any of these sectors, especially those looking to secure higher excess liability limits, this program can be an excellent fit. For example, a growing fast-food franchise with multiple locations or a fine dining restaurant serving alcohol could benefit from the protection and peace of mind that this umbrella coverage provides.

Coverage Highlights and Advantages

McGowan’s Restaurant Umbrella Insurance offers:
  • Limits ranging from $1 million to $25 million
  • Standalone policies – no shared limits
  • Each insured receives their own unique policy and policy number
  • Per location aggregate limits available
  • "Follow Form" coverage available for:
    • General Liability
    • Automobile Liability
    • Employers Liability
    • Employee Benefits Liability
    • Liquor Liability
These features are designed to address the layered liability exposures common in the restaurant sector, especially when alcohol service, vehicle use for delivery, or multiple employee classes are involved.

Underwriting Notes and Minimum Premiums

The program requires an underlying carrier with a minimum rating of A- / VI. Each policy is individually underwritten, and while specific minimum premiums are not listed, submissions should reflect quality risks with solid loss histories. McGowan’s experienced underwriters are available to help evaluate more complex or unique accounts.

Territories and Availability

This program is available in all 50 states plus Washington, D.C., offering broad geographic access for brokers with national or regional restaurant clients. Whether your accounts are located in urban centers like New York, Los Angeles, or smaller markets across the Midwest or South, McGowan is positioned to provide solutions.

Why Work With McGowan on This Business

As a Managing General Underwriter with deep expertise in umbrella programs, McGowan Program Administrators brings market access, industry knowledge, and a commitment to service. Their restaurant-specific umbrella product is built to meet the diverse needs of food service operations, backed by strong carrier relationships and flexible underwriting. Agents and brokers working with McGowan gain a trusted partner with the tools to help you grow your commercial book in the hospitality sector.
For more information on Restaurant Umbrella Insurance, please contact us!

Frequently Asked Questions

What types of accounts are a good fit for this program?

Restaurants of all types—including sit-down, fast food, fine dining, and catering services—are ideal candidates, especially those seeking higher umbrella limits or with liquor liability exposure.

Is the umbrella coverage shared across insureds?

No, each insured receives their own standalone policy and policy number with no shared limits.

Can this program accommodate multi-location restaurant groups?

Yes, the program offers aggregates per location, making it suitable for franchises and multi-unit operators.

What limits are available under the program?

Umbrella limits range from $1 million up to $25 million, depending on underwriting and account specifics.

Is liquor liability included in the umbrella coverage?

Yes, liquor liability is available as a "follow form" coverage under the umbrella policy, subject to underlying terms and conditions.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    “A” Rated Carriers
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

106 East 6th Street - Littlefield Building, Suite 520
Austin, TX 78701
512-600-2280
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APPLICATIONS

  • Restaurant Owners Umbrella Program Application

    To Obtain Quotes:
    Pricing indications are provided with the submission of our application (v01.01.10 or current version. 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 (v01.01.10 or current version);
    3. Three years of currently-valued (generated within the past six months) hard copy, GL carrier generated loss runs.

AGENCY LICENSING

Become A Broker

McGowan Program Administrators operates on an "open-brokerage" format. We do not hold our retail agents to premium or account volume requirements, so whether you place 1 account or 100 accounts with us we are always grateful for your business. We do, however, require that retail agents placing business with us carry at least $1,000,000 of E&O Liability.

We look forward to working with you!
Please contact our Compliance Administrator with any questions:
Heather Hysong,  [email protected] 

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