As seen in

Dark kitchen: who writes it?

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FCA-regulated firm (FRN 1035997)
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108 markets matched

For: Dark kitchen

Underwriter briefReady

What underwriters will focus on

Delivery-only commercial kitchen needing property, BI, employers’ liability and public/products liability cover. Underwriters will focus on frying and extraction fire controls, plus any shared premises or multiple food operators.

Where to start

  1. Pen UnderwritingSpecialist MGA route worth testing for a combined property, BI and liability placement.
  2. Touchstone UnderwritingHospitality-oriented MGA route worth approaching for property, BI and employers’/public liability together.
  3. Specialist market lockedAppetite fit and referral checks locked
  4. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Pen UnderwritingMGA★ Specialist appetiteStrong fit
Appetite
Specialist MGA route worth testing for a combined property, BI and liability placement.
Check
Check dark-kitchen acceptance, frying restrictions, extraction cleaning conditions and products liability availability.
Risk carried byi

QBE; Endurance Worldwide Insurance; Hadron UK Insurance; Tokio Marine Kiln (varies by product) Source

How to trade

Quote online (own portal), Quote online via software house, Submit to underwriter · Pen Central, Acturis, Open GI Source

ELPLCARFleetMotor trade

Broker site

Touchstone UnderwritingMGA★ Specialist appetiteStrong fit
Appetite
Hospitality-oriented MGA route worth approaching for property, BI and employers’/public liability together.
Check
Check delivery-only eligibility, shared-kitchen arrangements, products liability and fire protection requirements.
Risk carried byi

Aviva; AXA XL; Munich Re (Lloyd's Syndicate 457); Convex (varies by product) Source

How to trade

Quote online (own portal), Submit to underwriter · Touchstone Broker Portal Source

PropertyELPLBI

Broker site

Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
+101 more markets locked
106 more markets + remaining specialist brief picks

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As seen inFCA-regulated (FRN 1035997)Zero client contact

UK markets that write dark kitchen risks

We found 108 UK markets that write dark kitchen risks: 22 insurers, 86 MGAs and 0 Lloyd's markets. Commonly listed: Pen Underwriting, Touchstone Underwriting.

Placing notes

Several brands or operators sharing one unit increases fire load and blurs who controls what. Cooking methods, deep fat frying, extraction cleaning and delivery rider arrangements are typical questions.

Also known as

ghost kitchen, delivery-only kitchen, virtual restaurant, cloud kitchen

For insurers and MGAs

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