Distinguished Programs launches new BOP product for restaurants

Insurance program administrator Distinguished Programs announced the launch of a Business Owner’s Policy for restaurants. The new offering, developed specifically for casual dining restaurants (with or without table service), is now available through Distinguished’s Broker Connect portal.

The addition of the BOP further strengthens Distinguished’s comprehensive suite of restaurant-focused insurance products, which already includes package, umbrella and cyber coverage. With the Broker Connect portal, brokers can submit BOP business at any time, streamlining the process for greater speed and convenience.

The coverage is backed by an A+ XV rated, admitted carrier and tailored to meet the needs of restaurants. The policy includes key protections such as business income loss resulting from off-premises utility service interruptions, food contamination, spoilage, employee dishonesty and identity fraud expense. Liquor liability coverage is available based on risk eligibility. Optional enhancements include data breach protection and increased liability limits.

The BOP is available now for submissions nationwide, excluding Alaska, Florida, Hawaii, and New York.

“With the addition of BOP, we’re empowering brokers with a more complete solution for their restaurant clients. This product not only complements our existing product offerings but also emphasizes our focus on ease of doing business and delivering meaningful value to brokers and their clients.” – Heidi Strommen, President of Distinguished’s Primary Hospitality programs.