StandardVerified Q1 2026
Source: Acuity — Restaurant Insurance
Acuity: Restaurants Insurance Appetite
Acuity writes restaurants but they are not a core specialty class like contractors or trucking. They offer a solid full-package solution including liquor liability, which is a differentiator. Best for Midwest-based single-location and small-chain restaurants. For national restaurant accounts, Progressive or Travelers will have broader state availability.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Business Owners Policy (BOP) |
| Umbrella/Excess |
Premium Range
$3,000-$15,000
Typical annual premium
Target States
32 states (Midwest/Central focus)
Key Features
- Full-package capability from fast-casual to fine dining restaurants
- Liquor liability coverage for restaurants generating profit from alcohol sales
- Bis-Pak policy bundles property, GL, and business income in one streamlined package
- Workers' comp with competitive rates for kitchen and service staff
Limitations
- Not available in all 50 states — limited to Acuity's 32-state operating territory
- Restaurants are not a named specialty — contractors and trucking get more underwriting focus
- Large restaurant chains with 10+ locations may exceed small/mid-market appetite
Compare Other Carriers for Restaurants
Progressive CommercialPreferred
$2,500-$12,000
TravelersLimited
$4,000-$18,000
CNAStandard
$3,000-$20,000
HiscoxLimited
$500-$3,000
ERGO NEXT InsurancePreferred
$1,200-$7,000
The HartfordPreferred
$3,000-$20,000
EMPLOYERS HoldingsPreferred
$1,200-$8,000
Erie InsurancePreferred
$3,000-$15,000
biBERKPreferred
$1,500-$10,000
AmTrust Financial ServicesPreferred
$2,000-$15,000
BTISStandard
$2,000-$12,000
Pie InsurancePreferred
$1,000-$8,000