Ghost Kitchens Package INSURANCE

Serve your clients market-leading coverage with this specialty program designed by restaurant industry experts.

Distinguished Restaurant Umbrella



Also known as Cloud, Virtual or Commissary Kitchens, these are restaurants without any indoor seating or space for diners.

They are a professional food preparation and cooking facility where orders are available for delivery only through third-party apps like DoorDash, GrubHub and Seamless.

Think of a commercial kitchen with no visible storefront.

And it's one of the fastest areas of growth in the restaurant industry.

Builder’s Risk – Outdated

Comprehensive Coverage

Express Hotel Umbrella

One-Stop Shop For All Insurance Needs

Distinguished Restaurant Umbrella

A+ XV Rated Paper


Coverage Includes:

  • Property
  • General Liability
  • EPLI (Employment Practices Liability Insurance)
  • Cyber

Optional Coverages:

  • Umbrella

Key Advantages:

  • ProHost exclusive program - only available through Distinguished
  • New ventures eligible
  • Hospitality Plus Endorsement - specialized restaurant coverages included
  • Coverage written on an admitted basis with an A+ XV rated carrier
  • Employment Practices Liability and Cyber coverage available for most accounts
  • 30 years of restaurant underwriting expertise



The Distinguished Restaurant Package combines Property, General Liability, EPLI, Cyber, and Umbrella. Everything your restaurant clients need for complete coverage and protection.

ProHost Expertise.

For over 30 years, leading provider ProHost has been serving the restaurant industry's insurance needs. Known for their expertise and responsiveness, ProHost is now part of the Distinguished family.

National Coverage.

Our restaurant program serves clients in 49 states (sorry, Alaska). Your regional Sales Executive will provide you with the local expertise you need, while our expert underwriting team gives you the additional support to help you win.

Superior Claims Service.

We hear from our brokers how important and valuable our dedicated claims management is for both you and your clients. When it counts, we are there.


Download Restaurant Package application.

Submit completed application to your sales executive.


  • ACORDs
  • ProHost Supplemental application
  • 4 years of currently valued loss runs
Ready To

It's easy. Just go to our online portal and get started. If you haven't registered as a broker, you'll need to do that first. And if you need any help, we're here.


Distinguished Restaurant Umbrella Insurance

Learn about our market-leading, high-limit Restaurant Umbrella.

Restaurant Package Insurance

Design by restaurant liability experts, learn why it's market leading.