Restaurant Business Owner’s Policy (BOP)

• Register your Agency
• Create a Login if you need to add a broker contact to access the portal
• Submit a BOP application directly on the Broker Connect portal here. We’ll review and respond within 24-48 hours.

For security, Microsoft authentication is required for first-time login—this guide will walk you through it.

BOP Restaurant Insurance Advantages

• 24-48 hour response time
• Coverage written on an admitted basis with an A+ XV rated carrier
• Competitive pricing and low minimum premiums
• Access to underwriting experts with over 30 years of industry experience

• Available Nationwide (except AK, FL, HI, NY)
• Casual Dining
  Restaurants with full table service often closing by 10 p.m. Liquor sales are typically 25% or less. Our focus is on locally-owned establishments.
  Examples:
  • Family-style Italian
  • Pizza shops
  • Classic American fare
• Limited Service/Fast Casual
  Restaurants where customers order at a counter and pay before eating that are a notch up from fast food in terms of ingredients and dining experience. May be take-out only.
  Examples:
  • Delis/sandwich shops
  • Gourmet burger restaurants
  • Burrito/taco shops
• Upscale Dining
  Small to moderately-sized upscale restaurants closing by 11:00 p.m. Target is accounts that are less formal than traditional fine dining with limited liquor sales.
  Examples:
  • Neighborhood bistros or cafes
  • BYOBs
  • Farm-to-table concepts

BOP Restaurant Insurance Coverages

• Liquor liability included based on individual risk eligibility
• Excess limits available up to $5M
• Business Income Actual Loss Sustained
• Hired and Non-owned Auto
• Blanket Additional Insured
• Restaurant Enhancement Endorsement that offers additional robust coverages
• $2M/$4M general liability limits available

• EPLI $10,000 or $25,000 limit (select states)
• Data Breach (Cyber) up to $100,000 limit
• Damages to Premises up to $1M limit
• Employee Benefits Liability
• Stop Gap

For more information, please contact:

Heidi Strommen 
President, Primary Hospitality
[email protected]
Telephone: (952) 924-6973

For portal authentication or technical support, please email [email protected] or call us at: (888) 355-4626 (press #).

For submission or underwriting questions, feel free to email [email protected]

Please submit your inquiry via our contact form here