Andy Pettise joined Insurance Office of America (IOA) in May 2015 as a commercial lines producer in its Western Division. Andy is a restaurant insurance specialist focused on workers compensation, property/liability, EPLI, cyber, restaurant recovery, and more. He brings more than three decades of restaurant experience to IOA, with experience as an IHOP and Baja Fresh Franchisee. Andy is an ex-mod reduction strategist and mod projection expert, and his restaurant captive expertise gives clients the ability to recoup up to 60% of their premium.