What Restaurant Group & Multi-Unit insurance covers

The master excess layer that sits above general liability, auto, and employers liability for the whole portfolio and reaches the combined total limit lenders and franchisors require across every unit. One umbrella covering the schedule of locations is cleaner and usually cheaper than separate excess policies stacked on each unit's primary at mismatched limits and dates.

Wage-and-hour, discrimination, and wrongful-termination exposure scales with headcount, and a group employing hundreds across many units can face a class action spanning every location. Group-wide EPLI defends and settles those suits across the whole org chart, so the holding company and each operating entity are answered by one policy rather than gaps between units.

A restaurant group usually runs one point-of-sale, loyalty, and online-ordering platform across every location, so a single breach exposes cardholder and guest data from the entire portfolio at once. Cyber coverage built for the shared platform responds to the group-level breach, the notification cost across all units, and the business income lost while systems are down.