Exclusive Insurance Programs

Workers’ Comp / Property Liability

We have in our National Restaurant Division exclusive Workers’ Comp and Property Liability Programs. We have five major carriers that give us preferred rates because of our Superior Safety Programs.


We have two semi-exclusive Captive Programs for our clients that have the potential to return up to 62% of their premium dollars over time based on their claims.

We have a very unique claims handling approach called “Breaking the Habit”®. “Breaking the Habit” ® is a revolutionary and award-winning litigation strategy developed by two board certified attorneys, Sapra& Navarra, LLP. The strategy reduces average total cost per case and cycle time by more than 50% on litigated indemnity claims.

“Breaking the Habit” ® is a registered trademark of Sapra & Navarra, LLP, protected under the trademark laws of the United States and other countries, and any commercial use, distribution, duplication, or reproduction of this trademark is strictly prohibited without the express written consent of Sapra & Navarra, LLP.

IOA information

Team Members Icon


Team Members

Largest Insurance Agency Icon


Largest Insurance
Agency in U.S.

Locations Icon




Customer Support

Largest Privately Icons


Largest Privately Held
Commercial Property
and Casualty Agency

Million in Revenue Icon


Million in Revenue

Clients Icon




Billion Dollars in

The owner of this website has made a commitment to accessibility and inclusion, please report any problems that you encounter using the contact form on this website. This site uses the WP ADA Compliance Check plugin to enhance accessibility.