About Us

Innovative Coverage Concepts, LLC is America’s leading writer of restaurants and hospitality business.  ICC is a Program Manager/Administrator and Managing General Agency focused exclusively on developing and delivering specialized insurance programs for all types of restaurants, including fine dining, casual dining and quick-serve establishments.

Committed to your success

We realize that our success depends on our agents’ and brokers’ success. We align our interests with yours by offering the coverage and highly-rated capacity you need to write business along with the tools and resources to manage, retain and grow it. In addition, ICC is committed to paying the most competitive commissions available in the marketplace.

Our value proposition

Fierce client advocacy and a passion to provide winning programs for our agent and broker partners have made us the preferred market nationwide since 2001. This is our promise to our  partners.

Comprehensive coverage
  • Comprehensive coverages with proprietary enhancements designed by industry experts
  • Highly-rated capacity from admitted, financially sound carriers that responds to the most demanding or complex requirements
  • Access to alternative market solutions such as risk purchasing groups, captives, and other self-funded vehicles
Responsive service
  • Quick turn-around on quotations
  • Competitive commissions
  • Immediate claims support
Tools and resources for your success
  • Docutrax system for managing certificates of insurance
  • Restaurant Risk Management – a robust suite of tools for managing food industry risks
  • AXIA Risk Management Services, LLC – high-quality accident investigation and loss control services 


Our team has, collectively, over 100 years of knowledge and expertise designing custom programs that distinguish our brokers and agents. We support you—from quote to claim—with the tools and resources you need to be successful.


As specialists in restaurants and hospitality business, we have access to the best programs and prices available in the market.


We support our broker partners with market knowledge, products and services that give them a competitive advantage and work together to win the business.


ICC has developed comprehensive risk management tools that enable our broker partners to deliver differentiated services designed to reduce risk and losses and improve operating efficiency.


We constantly canvass the market for the most competitive and comprehensive options and never sacrifice essential coverage for lower pricing. The interests of the insured always comes first – whether involving coverage, cost or claims management.