Why Choose ICC?

Innovative Coverage Concepts provides comprehensive, customized insurance programs to help brokers meet every restaurateur’s business insurance needs.

Because insuring restaurants is our only business, we can offer specialized coverages and lower costs for the well-managed restaurant.  Choosing ICC has many advantages.

A Different Approach

• We do business only with better brokers who have better restaurants as clients

• This allows us to obtain the broadest coverage and great pricing in our programs tailored especially for your restaurant accounts 

Specialized Products

• Whether your client is a small individual restaurant or a large multi-state chain, ICC can deliver the right product at the right price. 

• A BOP product for restaurants with fewer than 3 locations whose receipts are less than $1 Million.

• Packages for restaurants whose receipts exceed $1 Million 

• Deductibles, SIR’s and other Alternative Risk Management techniques for your large accounts 

• Special high-limits umbrella program 

• Competitive Workers’ Compensation coverage in many states.

Carrier Relationships

• Strong relationships with several carriers, each with their own strengths and appetites. 

• All are financially strong and admitted, with Best’s ratings of at least “A”

• Multiple relationships provide ICC with maximum flexibility in coverage design and pricing for different types and sizes of restaurants

• Outstanding ability to deliver loss control and claims service in addition to great products

Customized Coverages

• ICC’s knowledge and experience in insuring restaurants allows us to focus on critical exposures

• We can then pick the markets that can best provide what’s needed. 

• Our objective is to provide every broker with a customized insurance     program at the lowest possible price.  

Our Claims Philosophy

• Settle your clients’ claims quickly and fairly while discouraging claims brought against them by others whenever possible. 

• Use technology to speed the entire claims process, allowing you to  be responsive to your clients’ claims

• Provide you with up-to-date claims information so that you always know where your client stands.

Effective Loss Control

• Loss Control is the most effective claims management tool of all

• We will help you use it to proactively avoid your clients’ claims from occurring in the first place.

Fast Response

• Exclusive focus on restaurants allows us to respond quickly

• Our organizational structure and advanced technology afford the  strongest client service and fastest response time possible.

• Objective is to make the broker’s life easier

Absolute Integrity

• We are advisors to our broker-clients, not just another market in which to place business. 

• We are always on the lookout for better, more cost-effective ways to cover risk exposures. 

• The interests of our brokers and their clients always come first—whether it involves coverage, cost, or claims management.