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Restaurant Package

ProHost USA becomes part of Distinguished

We've added restaurant package coverage to our menu!

Distinguished Programs is proud to announce its acquisition of ProHost USA, a leading specialty insurance program for restaurants and related risks that includes fine dining, family dining, fast casual, catering, and wine bars. With ProHost USA, we have expanded the menu of coverages we offer for the restaurant industry from Umbrella Liability to also include a package policy with Property, General Liability, Liquor Liability, and other product enhancements. Employment Practices Liability coverage and a Cyber Suite endorsement are also options depending on the niche segment and for most accounts. 


  • ProHost exclusive
  • Liquor Liability for each segment included in the package in most states
  • Coverage written on an admitted basis with an “A” rated carrier
  • Employment practices liability and cyber coverage available for most accounts
  • 30 years of restaurant underwriting expertise
  • Unparalleled service
  • Competitive pricing

Features
  • Eligibility: Average dinner entrée price: $15 or higher
  • New ventures are eligible
  • Unique coverage enhancements include Food Contamination, Food Spoilage, Equipment Breakdown, Backup of Sewer and Drain
  • Business Interruption coverage provided for off-power failure including overhead transmission lines
  • Excess coverage is available to accompany our package program
  • Rush quotes will be provided as needed
  • Minimum premium $5,000
Ineligible Risks
  • Protection class 8-10 property
  • Cocktail lounges
  • Risks with more than incidental entertainment

Features
  • Eligibility: Family and casual restaurants with table service
  • New ventures eligible
  • Excess coverage is available to accompany our package program
  • Rush quotes will be provided as needed
  • Minimum premium $5,000
Ineligible Risks
  • Buffet-style restaurants
  • 24-hour restaurants
  • Sports bars/restaurants
  • Protection class 8-10 property
  • Coverage for delivery
  • Risks with more than incidental entertainment

Features
  • Eligibility: Fills the space between fast food casual dining with full table service, promises a higher quality of food and atmosphere than a fast food restaurant; typical meal cost is in the $8-$15 range (including beverages); also referred to as “quick casual” or “limited service” 
  • New ventures eligible
  • Excess coverage is available to accompany our package program
  • Rush quotes will be provided as needed
  • Minimum premium $5,000
Ineligible Risks
  • Traditional fast food restaurant chains

Features
  • Eligibility: Off-premises caterers
  • New ventures eligible
  • Accounts that are 100% off-premises catering or a combination of restaurant and catering will be considered
  • Commercial Auto coverage considered in conjunction with package
  • Minimum premium $5,000
Ineligible Risks
  • Caterers that specialize in weddings
  • Banquet Halls

Features
  • Eligibility: Upscale atmosphere with focus on selling wine rather than liquor or beer and offer a robust food menu including small plates and/or entrées
  • Excess coverage is available to accompany our package program
  • Restaurant enhancement coverages included

To get a quote or more information on the program

Get a quote or more information on the program

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