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
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