Restaurant Insurance

Name

Restaurant Insurance

Legal name

AJF, Inc.

Website

https://restaurant-insurance.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Restaurants, Bars & Food Service BOP (FSAJAFAG), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Public Liability (Premises/Operations) (FSAJADAD), Commercial Property Insurance (FSAJACAE), Commercial Umbrella Insurance (FSAJANAB)

Keywords

• Restaurant insurance
• Commercial insurance brokerage
• Liquor liability coverage
• Food service insurance
• Business owners policy

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Infrastructure, Technology or R&D

Revenue model

1. Insurance Brokerage Commissions: As an insurance agency/broker, the company earns commissions from insurance carrier partners for placing business insurance policies for restaurant clients. They work with multiple carrier partners to provide customized coverage options.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Restaurant Insurance is an insurance agency (operated by Jump Insurance Services and Aaron J. Farmer Insurance Agency, Inc.) that brokers commercial insurance coverage for restaurant and food service businesses. It places policies with multiple carrier partners covering General Liability, Business Owners Policy, Commercial Property, Liquor Liability, Workers Compensation, Cyber Liability, EPLI, Hired & Non-Owned Auto, and Umbrella/Excess Liability. Coverage is custom-tailored to each restaurant's risk profile rather than sold as standardized policies.

Product overview

Restaurant Insurance (operated by Jump Insurance Services, AJF, Inc.) is an insurance agency offering a portfolio of custom-tailored insurance products for food service businesses. The core product portfolio includes nine main insurance coverages: General Liability Insurance for Restaurants and Bars (the foundational coverage), Business Owners Policy (BOP) bundling General Liability with Property Insurance, Commercial Property Insurance, Liquor Liability Insurance, Hired and Non-Owned Auto Insurance, Umbrella/Excess Liability Insurance as an add-on layer, Cyber Liability and Data Breach Insurance, Workers Compensation Insurance, and Employment Practices Liability Insurance (EPLI). The company also offers nine industry-specific insurance products targeting: Bakeries, Bars/Taverns/Pubs, Catering Companies, Clubs/Nightclubs, Coffee Shops/Cafés, Food Vendors/Carts, Delis, Restaurants/Fine Dining Establishments, and Mobile Food Trucks. The offering operates as a multi-product insurance agency rather than a unified software platform, with coverage customized to each client's specific risk profile and business type.

Differentiator

Problem solved

Functional benefit

Named customers6 records

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Insurance Carrier PartnerscoreOthersThe company works with multiple insurance carrier partners to provide competitive coverage options for restaurant clients. These carriers underwrite the actual insurance policies while the agency handles sales, service, and risk management consultation. The specific carrier names are not disclosed on the website.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Thimble: On-demand small-business and event insurance platform offering general liability and vendor coverage to food vendors, caterers, and food trucks. Comparable as it serves a subset of Restaurant Insurance's customer segments (food vendors, mobile food) through a digital-first motion.
• Pie Insurance: Digital commercial insurer focused on workers' compensation for small businesses including restaurants. Comparable because it targets the same restaurant customer base on a core coverage line (workers' comp) and competes for placement share via a technology-led model.

Direct peers

• Embroker: Digital commercial insurance brokerage serving small and mid-sized businesses with multi-carrier placement across general liability, property, cyber, and EPLI. Comparable on multi-carrier brokerage model and SMB-focused distribution, though typically skewing larger than restaurant SMBs.
• CoverWallet: Online commercial insurance brokerage aggregating quotes from multiple carriers for small businesses including restaurants. Comparable because it competes for restaurant SMB placement via multi-carrier distribution similar to Restaurant Insurance, but with a digital-first quote experience.
• Next Insurance: Digital SMB insurance carrier/brokerage offering instant online binding for restaurant general liability, BOP, workers' comp, and commercial auto. Directly comparable as it targets the same restaurant SMB segment, often with lower-friction digital distribution versus the agency's phone/email sales motion.
• Haylor, Freyer & Coon: Independent insurance agency with a dedicated restaurant and hospitality practice providing BOP, liquor liability, and workers' comp. Comparable as a vertically specialized restaurant insurance agency, with broader geographic reach than Restaurant Insurance.
• Hiscox: Specialist small-business insurer with deep restaurant and hospitality offerings including general liability, property, cyber, and EPLI. Comparable because it serves restaurant SMBs across overlapping product lines, but distributes through agents and direct digital channels rather than a single-state niche agency.

Broad incumbents

• AmTrust Financial Services: Specialty insurer writing small commercial lines including restaurant BOP, workers' comp, and commercial auto. Comparable as a carrier serving the restaurant SMB market across overlapping product lines, but operating as an underwriter rather than a brokerage.
• The Hartford: Major U.S. insurance carrier with a dedicated small-business restaurant insurance program offering BOP, liquor liability, and workers' comp directly. Comparable because it serves the same restaurant SMB customer base across the same core coverages, though as an underwriting carrier rather than a brokerage.
• Liberty Mutual: Large national insurer with a dedicated restaurant and food-service insurance program covering property, liability, and workers' comp. Comparable as it targets the same restaurant SMB segment across the same core coverages, but at significantly larger scale and direct-distribution model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Restaurant Insurance