Insurance Built for Restaurant Owners.
Whether you own one location or one hundred, FRi helps restaurant operators improve coverage, reduce surprises, and create a long-term insurance strategy.
1–100+
Locations served
8
Coverage lines
100%
Restaurant focus
FRi Tagline
Low Risk. Scalable Operations. The Right Insurance Structure.
Why FRi
Restaurants are different.
Most insurance agents treat restaurants like every other business. FRi was built specifically for restaurant operations — the kitchens, the staff turnover, the liquor exposure, the delivery fleets, the franchise structures.
We structure insurance around the realities of diverse concepts, not a generic commercial class.
Coverage Lines
- Property
- General Liability
- Liquor Liability
- Workers Compensation
- Commercial Auto
- Cyber Liability
- EPLI
- Umbrella
We're replacing old-school underwriting with data-driven, restaurant-first insurance. More than 200 years of statistical data. Technology at the forefront. Programs built to help small business owners level up.
The FRi Advantage
Six reasons operators choose FRi over generic carriers.
Industry Expertise
Built exclusively for restaurants — not retrofitted from generic commercial lines.
Coverage Review
We surface the hidden gaps your current policy quietly leaves open.
Risk Management
Reduce losses before they happen with proactive operator-led guidance.
Franchise Experience
We understand multi-unit growth, AORs, and brand-mandated requirements.
Profitability Focus
Insurance should support growth — not quietly erode it every renewal.
Program Access
Exclusive restaurant-focused insurance solutions you won't find on retail markets.
Free Restaurant Owner's Guide
Running a restaurant is hard enough. Protecting it shouldn't be.
FRi created a practical guide covering six critical areas restaurant owners should understand to help build, protect, and grow their business.
From business planning and financial strategy to insurance, risk, legal considerations, and marketing, it gives restaurant owners a practical framework for asking better questions.
Get the Free Restaurant GuideIndustries We Serve
Diverse concepts. Common risks. Single solution.
From a single pizza shop to a 100-unit franchise group, we structure programs around how restaurants actually run and grow.
Pizza Restaurants
Delivery & oven exposure
View Program →Sandwich Shops
Franchisees like Jimmy John's
View Program →Coffee Shops
Low risk, scalable operations
View Program →Quick Service
Speed-of-service risks
Fast Casual
Hybrid service models
Casual Dining
Full-service operations
Fine Dining
Liquor & guest experience
Multi-Unit Franchise
Scalable program design
The FRi Risk Review™
A complimentary, operator-led audit of your program.
We don't just quote — we structure. The FRi Risk Review evaluates every line that touches your restaurant operations, surfaces the gaps, and gives you a plan to close them.
- Current insurance program
- Property values
- Liability limits
- Workers Compensation
- Cyber exposure
- Employment practices
- Delivery operations
- Contract requirements
Closing Statement
"We don't just insure restaurant operations — we structure them for how they actually run and grow."
Operator Voices
Trusted by restaurant owners who run real operations.
"FRi found three gaps in our liquor liability that our previous broker missed for years. Renewal was seamless."
"Our workers comp costs dropped year-over-year while our coverage actually got stronger. That's a first."
"They speak restaurant. Conversations are about throughput and delivery, not generic commercial jargon."
Partners & Affiliations
Carrier Partners
- Authentic Insurance
- Specialty Restaurant Markets
- Hospitality-Focused Carriers
Restaurant Associations
- Florida Restaurant & Lodging
- National Restaurant Association
Franchise Organizations
- IFA Members
- Multi-Brand Franchise Groups
Ready to Review Your Restaurant Insurance?
We'll look at your operation and your current program, then show you where the gaps and unnecessary costs are.
Start My FRi ReviewJust Looking to Learn More?
Start with the guide. Six areas every restaurant owner should think about before the next renewal.
Get the Free Restaurant GuideRequest Your Review
Schedule your complimentary FRi Risk Review™.
Tell us about your operation. We'll come back within one business day with a tailored review structure and proposed next steps.
OnePoint Insurance Partners (OPiP)