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Innovative Coverage Concepts

Innovative Coverage Concepts

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Innovative Coverage Concepts, LLC (“ICC”) was founded in 2001 to provide outstanding insurance programs for the restaurant and hospitality industries. Today brokers across the nation turn to ICC to meet the needs of clients, because we deliver an unmatched combination of cost, coverage and effective risk management services.

What makes us a more attractive home for our broker-clients?

  • EXPERIENCE - Over 45 years’ experience in designing customized coverage packages; experience in dealing with insurance carriers, even during the toughest of markets; experience in handling restaurant and hospitality property and liability claims most advantageously for the insured.
  • FOCUS - Because we only insure restaurants and hospitality businesses, we have access to the best programs and prices available anywhere. This “market clout” allows us to obtain the most competitive cost/coverage combination for our clients.
  • ADVOCACY - We protect our broker-partners from competitors, doing whatever can be done to win accounts and retain them. We are a strong proponent of market stability and long-term relationships.
  • RESOURCES - ICC, through its affiliate company, developed comprehensive risk management tools that can make our broker-partners look great in the eyes of their clients.
  • INTEGRITY - We will always act professionally and never knowingly act against the best interests of our clients and insureds

Today, ICC has expanded to encompass these initiatives:

  • We are a Managing General Agency for fine and casual dining restaurants, hospitality and franchise restaurant risks. Our programs utilize admitted and non-admitted insurance carriers rated “A” by AM Best. (ICC)

  • Our wholesale division provides property, primary and excess casualty coverage for more difficult segments of the hospitality and restaurant industry, as well as other risk categories(ICC Wholesale)
  • We have developed outstanding risk management and claims administration tools for restaurants, as well as an on-line certificate tracking capability second to none, for restaurants and other types of businesses. (Restaurant Risk Management and Docutrax)


Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming