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Restaurant insurance broker re-bidding policies against live bookkeeping data to keep coverage aligned with how restaurants actually run.

Brett Lantz

President KitchenSync Insurance Services at KitchenSync

restaurant insurance workers compensationgeneral liabilityliquor liabilitycommercial propertyEPLI

Brett covers restaurant operations, technology, and workflow optimization at KitchenSync.

Brett Lantz is President of KitchenSync Insurance Services, the restaurant-focused brokerage built inside KitchenSync's bookkeeping platform. He leads coverage across workers compensation, general liability, liquor liability, commercial property, and employment practices liability for hospitality operators. His approach centers on re-bidding policies at every renewal against live payroll and revenue figures pulled directly from the operator's books, keeping programs calibrated to how the restaurant actually runs today rather than last year's estimates. The team's Pay-As-You-Owe Workers' Compensation program feeds live payroll data into carrier billing each cycle, eliminating large policy down payments and the year-end audit reconciliation surprises that come with traditional WC. Brett was named a 2026 Risk & Insurance Power Broker for Entertainment, Hospitality & Gaming, and was previously Producer of the Year at Heffernan Insurance Brokers.

Brett Lantz is President of KitchenSync Insurance Services, the restaurant-focused brokerage built inside KitchenSync's bookkeeping and back-office platform. He leads coverage strategy across workers compensation, general liability, liquor liability, commercial property, and employment practices liability for hospitality operators. Brett's defining approach to restaurant insurance: re-bid every renewal against live payroll and revenue figures pulled directly from the operator's books, rather than last year's estimates or aging proposals. Because KitchenSync Insurance Services lives inside the same platform that handles bookkeeping and payroll, his team can pull current numbers at any moment and shop the program across the carrier network using what the restaurant looks like today. Programs stay calibrated to actual operations (staffing, revenue mix, premises, hours) instead of drifting away from reality between renewals. That same data hookup powers the team's Pay-As-You-Owe Workers' Compensation program. Live payroll data from KitchenSync's bookkeeping platform feeds the carrier's billing each cycle, so premium tracks actual hours worked rather than estimated wages. The result for operators: no large down payment at policy bind, and no audit reconciliation surprise at the end of the year, the two things that make traditional WC the most painful line item on the P&L. Before joining KitchenSync, Brett spent more than two decades in commercial real estate and insurance brokerage. His career began at Marcus & Millichap, moved through BAK-CO Ventures, and into insurance brokerage at Wood Gutmann & Bogart in 2009. He went on to hold producer and leadership roles at Heffernan Insurance Brokers, HUB International, an independent agency, and Newfront Insurance, before joining Trucordia / PCF Insurance Services as Senior Broker & Risk Management Consultant. He took on the President role at KitchenSync Insurance Services in 2024. In 2026, Risk & Insurance named Brett a Power Broker in the Entertainment, Hospitality & Gaming category. The recognition is reserved for brokers whose clients describe them as instrumental in solving difficult coverage problems. Earlier in his career, Heffernan Insurance Brokers named him Producer of the Year. Brett holds a Bachelor of Arts in Communications, with a History minor, from UC Davis.
Areas of Expertise
  • Restaurant Insurance
  • Workers Compensation
  • General Liability
  • Liquor Liability
  • Commercial Property
  • Employment Practices Liability

Signature Perspectives

Workers' comp shouldn't trigger a year-end audit shock.

KitchenSync Insurance Services runs a Pay-As-You-Owe Workers' Compensation program. Live payroll data from KitchenSync's bookkeeping platform feeds the carrier's billing each cycle, so premium tracks actual hours worked rather than estimated wages. The result: no large policy down payment and no audit reconciliation surprises at the end of the year.

Insurance shouldn't get in the way of running a restaurant.

KitchenSync Insurance Services operates inside KitchenSync's full financial back-office platform — which means at every renewal, Brett's team can pull live payroll and revenue figures straight from the books and re-bid coverage across the carrier network using current numbers. Programs stay calibrated to how the restaurant actually operates today, not last year's estimates.

In the Press

award

The 2026 Entertainment, Hospitality & Gaming Power Brokers

Risk & Insurance January 1, 2026
podcast

On Our Podcast — Your Insurance Questions Answered

Culinary Staffing News September 2, 2020

Frequently Asked

What insurance does a restaurant actually need?

At minimum, a restaurant needs general liability, property, workers compensation, commercial auto if it owns or uses vehicles, and EPLI as soon as it has employees. Liquor liability is required the moment alcohol is served. Multi-unit groups should also carry umbrella coverage and consider cyber.

How much does restaurant insurance cost per location?

Cost per location varies widely based on revenue, payroll, alcohol sales mix, claims history, and state. The single largest variable is workers comp, which is calculated on payroll and varies by class code and state. [PLACEHOLDER -- confirm representative annual cost ranges with Brett.]

Why are workers comp premiums so high for restaurants?

Restaurants carry higher workers comp class code rates than most industries because of the injury frequency in kitchen environments. The premium is calculated on projected payroll, which is almost always estimated wrong, leading to large year-end audits.

Do I need separate liquor liability if I already have general liability?

Yes. Standard general liability policies almost always exclude liquor-related claims. Any restaurant serving alcohol needs a dedicated liquor liability policy or endorsement.

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