All Risks, Ltd. has dedicated Workers’ Compensation brokers and underwriters who have identified hard-to-place Restaurants with Delivery Insurance to develop exclusive programs, rating and pricing. By partnering with us, you have direct access to A. M. Best “A-” or better-rated markets with competitive commissions and payment plan options. Connect with our team of specialists today to learn more about how we can help your restaurant clients with valuable Workers’ Comp coverage. Contact us to learn more about our Workers’ Compensation Restaurants with Delivery Insurance.


  • Multi-location/multi-state risks are eligible
  • A.M. Best “A-” or better-rated markets
  • Direct access to carrier programs, rating and pricing
  • Competitive commissions
  • Monthly self-reporting plus additional payment plans
  • Work with a dedicated broker or underwriter who specializes in Workers’ Compensation



  • Workers’ Comp: – Available in all states except: AK, OK, SC and monopolistic states (ND, OH, WA & WY)
  • Hired & Non-Owned Auto – Available nationwide except: CT, DE, LA, OK
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  • Eligible class codes include:
    – 7380 Drivers
    – 9079 Restaurant NOC (CA, NJ, NY & TX)
    – 9082 Restaurant NOC
    – 9083 Restaurant Fast Food
    – New ventures allowed if no delivery
  • Ineligible Risks
    – Guaranteed Delivery Time Frames (i.e. “30 minutes or less”)
    – New Ventures allowed if No Delivery
    – 24-Hour Operations or Delivery After Midnight
  • Workers’ Compensation
    – Available in all states except: AK, OK, SC and monopolistic states (ND, OH, WA & WY)
    – $2,500 starting premium
  • Hired and Non-Owned Auto
    – $100,000 to $5,000,000 limits
    – Available nationwide except: CT, DE, LA, OK

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Workers’ Comp Top Class Guide

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Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.


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