Innovative Coverage Concepts (ICC) is pleased to launch a new commercial umbrella insurance offering that will cover a broad range of restaurant and hospitality risks. The coverage will be available to upscale fine dining and casual dining establishments as well as upscale on-premises catering facilities. Limits of up to $25 million dollars aggregated per location will be offered.

ICC formed the risk purchasing group Restaurant Hospitality User Member Group RPG, Inc. (RHUMBA) to facilitate adding admitted umbrella coverage for its restaurant and hospitality clients.

“Our exclusive risk purchasing group gives us the unique ability to rate, quote and bind admitted umbrella coverage along with primary casualty, property and auto coverage,” says Dean Carras, president of ICC. “It enables us to meet more of our clients’ coverage needs and makes the insurance-buying process more efficient and economical for them.”

ICC’s restaurant umbrella program will feature:

No shared limits—aggregated per location

Limits from $1 to $25 million—higher limits available

Admitted carrier rated “A” (Excellent) by A.M. Best

Strategic Response Coverage Extension included

Follow form Liquor Liability, Auto Liability

ICC’s restaurant umbrella program is offered in most U.S. states

Innovative Coverage Concepts, LLC (ICC) is a premier, national Managing General Agency (MGA) focused exclusively on developing and delivering specialized insurance programs for the hospitality industry and restaurants of all types, including fine dining, casual dining, bars, taverns and night clubs. ICC is distinguished by its custom risk management solutions and its innovative processes and technologies developed to assist clients in reducing risk and controlling claims costs and well as streamlining business processes.  

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