With more than 550,000 restaurant establishments in North America with a combined annual revenue exceeding $400 billion, the restaurant industry is second to none. The employee base is projected to reach 14 million employees by the end of 2012, making this private industry the nation's largest employer outside of government, according to the National Restaurant Assn.

A market of this size and scope is a goldmine for the insurance industry, and smart brokers, agents and carriers are all vying for a piece of the action. Those who will win are those who position themselves as experts and can bring value to the table.

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