Auto-Owners Insurance Appetite Guide
Auto-Owners Insurance appetite across 19 business classes. Available in 26 states (midwest and southeast — al, ar, az, co, fl, ga, id, il, in, ia, ks, ky, mi, mn, mo, ne, nc, nd, oh, pa, sc, sd, tn, ut, va, wi).
Auto-Owners is a hidden gem for restaurant insurance in the Midwest and Southeast. Their pricing is consistently competitive, and their claims service is highly rated by agents. The exclusive agency model means agents get dedicated support. Best for independent and family-owned restaurants in their territory.
Preferred Appetite (9 classes)
preferredGeneral Contractors
General Liability · Workers' Compensation · Commercial Auto
preferredRetail Stores
General Liability · Business Owners Policy (BOP) · Workers' Compensation
preferredManufacturing
General Liability · Commercial Property · Workers' Compensation
preferredPlumbing Contractors
General Liability · Commercial Property · Workers' Compensation
preferredElectrical Contractors
General Liability · Commercial Property · Workers' Compensation
preferredAuto Repair Shops
General Liability · Commercial Property · Workers' Compensation
preferredBeauty Salons & Spas
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredAccounting Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredLaw Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
Standard Appetite (8 classes)
standardRestaurants
General Liability · Business Owners Policy (BOP) · Workers' Compensation
standardProfessional Services
General Liability · Business Owners Policy (BOP) · Professional Liability (E&O)
standardTechnology Companies
General Liability · Business Owners Policy (BOP) · Technology E&O
standardReal Estate
General Liability · Business Owners Policy (BOP) · Commercial Property
standardWholesale Distribution
General Liability · Commercial Property · Commercial Auto
standardCleaning Services
Business Owners Policy (BOP) · General Liability · Commercial Property
standardLandscaping & Lawn Care
Business Owners Policy (BOP) · General Liability · Commercial Property
standardHealthcare / Medical
Business Owners Policy (BOP) · General Liability · Commercial Property
Limited Appetite (2 classes)
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