Society Insurance
Restaurant & Bar Specialist
4.7
The go-to carrier for restaurants and bars. Their restaurant BOP includes food contamination, equipment breakdown, and liquor liability by default. Deep understanding of hospitality-specific risks.
Restaurant BOPLiquor Liability12 States
New biz commission14–16%
AppetiteRestaurant/bar specialist
Erie Insurance
Strong Restaurant BOP
4.5
Excellent restaurant package in their footprint. Competitive pricing, food spoilage coverage included, and strong claims handling. Limited to their 12-state footprint in the eastern US.
BOPFood Spoilage12 States
New biz commission15%
AppetiteRestaurants, cafes, delis
Travelers
National Restaurant Program
4.2
Broad national appetite for restaurants. Their Select Accounts BOP is competitive for sit-down restaurants under $2M revenue. Liquor liability available as endorsement.
BOPLiquorWorkers Comp50 States
New biz commission12–15%
AppetiteBroad — most restaurant types
Amtrust Financial
WC + GL for Hospitality
4.0
Strong workers comp program for restaurants. Competitive pricing for kitchen staff, waitstaff, and delivery drivers. Also writes GL and property for hospitality businesses.
Workers CompGL45+ States
New biz commission10–13%
AppetiteRestaurants, hotels, catering
NEXT Insurance
Quick-Quote for Food Service
3.7
Fast online quotes for food trucks, catering, and small restaurants. Instant COI generation. Best for food entrepreneurs who need coverage quickly and don't want to wait for underwriting.
GLBOP50 States
New biz commission10%
AppetiteSmall/food trucks/catering