Coverage for Restaurant & Hospitality
You take care of every guest. Somebody ought to take care of you.
Hospitality is one of the least-insured industries in America. Restaurant owners, chefs, managers, and career servers mostly work without group coverage, in businesses whose margins can't absorb one.
For the owners and steady earners of the industry — the chef-proprietor, the franchisee, the veteran front-of-house manager — private PPO coverage offers a route to real insurance that doesn't depend on the restaurant's payroll math.
The problems we hear every week
Margins too thin for group plans
Food-cost math leaves nothing for a group health plan, so owners and staff alike go without.
Tipped and seasonal income vs. subsidy paperwork
Hospitality income is volatile by nature, making subsidy estimates and tax-time reconciliation a recurring headache.
Owners covered last
Restaurant owners famously insure the building, the kitchen, and the liquor license before themselves.
A private PPO tends to fit when you're…
- ✦Owner-operators, franchisees, and chef-proprietors
- ✦Salaried managers at spots too small for benefits
- ✦Hospitality families with healthy household members above subsidy range
- ✦Caterers, food-truck owners, and event pros on 1099 income
See what coverage costs for restaurant & hospitality
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Questions we get from restaurant & hospitality
Can my hourly staff get covered too?
Lower-income staff often qualify for strong marketplace subsidies or Medicaid — genuinely better options for them, and we'll say so. Private plans fit the owners and higher earners the subsidy system leaves out.
Our income swings hard by season. How do premiums work?
Premiums are fixed regardless of revenue — one known number through slow Januaries and packed Decembers alike.
I own two locations under different LLCs. Complicated?
Not for individual coverage — your personal application doesn't care how many entities you run.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
Mon–Fri, 8am–6pm CT