Business Program Quote

Small Business Program for Restaurants
Our trifecta insurance program for Restaurants provides comprehensive, quality coverages at competitive prices with local servicing.

The program provides key coverages with three policies from carriers committed to Hawai`i businesses: Business Owner’s or Package Policy from Hallmark/State National, Workers’ Compensation from HEMIC, and Temporary Disability Insurance from EPIC.

To qualify for the program, customers must have:
- 49 or fewer employees
- 5 years of experience in both industry and management (new ventures accepted)
- BOP/Package loss ratio of 30% or less
- WC loss ratio of 40% or less
- Liquor sales under 30%
- Wet chemical suppression system, if any cooking
- Safety and Return-To-Work Programs
The following operations do not qualify for this program:
- Liquor catering
- Catering only
- Banquet service
- Delivery service
**Eligibility may change upon underwriting review. If your submission does not qualify for a small business program quote, it may still qualify through the standard underwriting process.
Agent Information:
Agency:*
Agent Name:*

First NameLast Name
Account Manager:

First NameLast Name
Contact Email:*
Contact Phone:*
Named Insured:*
DBA Name:
if applicable
Type of Entity:*
LLC Type:
Mailing Address:*

Street Address Line 1

Street Address Line 2

CityState

Zip Code
Effective Date:*

MonthDayYear
Need By Date:

MonthDayYear
FEIN:*
DOL #:*
NAICS Code:*
Years in Business:*
Description of Business Operations*
Is this a new venture?*

YesNo
Years of Experience:*
Describe industry and business ownership/management experience:*
Applications & Documentation:
Please upload ACORD applications, supplementals, loss runs, experience modification worksheet and any other supporting documentation to complete your submission.

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Small Business Program for Restaurants

Agent Information:

Applications & Documentation: