(May 12, 2025/BUSINESS WIRE)–Origin Specialty Underwriters Agency, LLC (“Origin Specialty), a partner company of Beyond Risk, and Emerald Bay Risk Solutions are proud to announce the launch of a new Specialty Property Insurance Program tailored specifically for quick-service restaurants (QSRs).

This collaboration brings together Origin Specialty’s deep expertise in hospitality underwriting with Emerald Bay’s strong financial backing and collaborative approach. The new program offers a comprehensive, tailored insurance solution for qualified QSRs, featuring enhanced property coverages and in-house claims handling, is a milestone in Origin Specialty’s commitment to providing market-leading underwriting and claims platforms.

Designed to address the unique challenges faced by QSR operators, the program provides coverage for locations with up to $5 million TIV, and coverage offerings may include:

Property Enhancement Endorsements
Business Interruption and Extra Expense
Spoilage Coverage
Food Contamination
Employee Dishonesty
Additional available protections like equipment breakdown and utility service coverage further enhance the value of the program.

Offered through Emerald Bay Specialty Insurance Company on AM Best A- rated, non-admitted paper, this monoline property product can be bundled with Origin’s casualty offerings. With in-house quoting and binding authority, the program provides fast, flexible solutions and multiple deductible options.

“This partnership marks a significant evolution in our property offerings,” said Daniel Rossen, Head of Property Underwriting at Origin Specialty. “By targeting QSRs with a purpose-built solution, we’re raising the bar for flexible, responsive property coverage. Emerald Bay’s underwriting strength and financial foundation allow us to deliver a tailored, efficient product.”

George Dragonetti, Head of Property Underwriting at Emerald Bay Risk Solutions, added: “This program showcases the strengths of both organizations: disciplined underwriting, targeted coverage enhancements, and refined risk appetite. It is built for the high-paced, high-exposure QSR environment, and provides brokers with dependable capacity and strong execution.”