Restaurant Program

The Horton Group has access to nearly all of the leading insurance carriers throughout the United States. Our experience and volume allow us to do business more effectively with a larger number of carriers than most agencies. Horton and the Illinois Restaurant Association are working closely together to provide restaurants throughout Illinois with a superior insurance program. The IRA offers a state-of-the-art Property, Casualty and Workers Compensation Insurance program specifically designed for Restaurants. As a partner with the association, The Horton Group has the capability to customize an insurance program for each of our clients. We are especially well-suited to design and implement restaurant safety and sanitation programs.

Testimonials

"We offer our patrons the best in food, beverage and service and we expect the same from all our vendors and business advisors. The Horton Group has more than lived up to our high expectations by cutting costs and offering us a more comprehensive program."

Bob Chinn
Bob Chinn's Crab House
Wheeling, IL

"The IRRMA program and The Horton Group do much more than our Workers' Compensation carriers in the past. They have a great loss prevention program, and follow-up on claims to insure proper payments have been made. We have never received this type of service from our previous carriers - the only time we'd hear from them was at renewal time."

"We have steadily grown our business for the last 10 years. The Horton Group has been able to guide us with their safety consultants, and advise us how to expand our coverage at very competitive prices."

Michael Farrell, President
Egg Harbor Cafes

"We offer our patrons the best in food, beverage and service and we expect the same from all of our vendors and business advisors. The Horton Group has more than lived up to our high expectations by cutting costs and offering us a more comprehensive program."

Our Insurance Carriers for Restaurants

Argonaut Great Central - Founded in 1934, Argonaut Great Central specializes in providing package insurance policies including property, general liability, workers compensation, and umbrella coverages for the Retail Service and Food & Hospitality industries as well as for Public and Private Institutions. Within these industries, Argonaut Great Central has developed unique products and services tailored to a variety of clients including restaurants. By concentrating on niche markets, the company has developed considerable expertise in underwriting the unique risks of specialized businesses.

Society Insurance - Society insurance offers one of the broadest property and casualty insurance programs available to restaurant, tavern, banquet facility and catering business owners. The program is endorsed by a number of different hospitality trade associations, and includes workers compensation, liquor liability, commercial auto, employment practices, umbrella policies and more. Society also provides expertise in the services that support these programs, including risk control and claims. Since 1915, Society has been providing insurance coverage for business owners like you.

Program Highlights & Features

• Property General Liability Crime Liquor Liability Boiler Coverage Business Auto Certificate of Insurance Program Workers Compensation Umbrella/Excess Liability
• Employment Practices Liability

Special Coverages Available

• Credit Card Arson Reward Contents Valuable Papers Accounts Receivable Signs Loss Adjustment Expense Unauthorized Use of Telephone Lock Replacement Glass Fire Extinguisher Recharge Travel Baggage Computer Hardware Breakdown Computer Software & Media
• Computer Extra Expense

Partial Client List

Note – Horton’s Risk Management Services division also features a variety of programs.  Please click here to view their offerings.