Source: Auto-Owners Insurance – Business Insurance
Auto-Owners Insurance: Restaurants Insurance Appetite
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.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Umbrella/Excess |
| Liquor Liability |
Premium Range
$1,800-$11,000
Typical annual premium
Target States
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)
Key Features
- Competitive BOP with food spoilage and equipment breakdown included
- Liquor liability for restaurants with bar service
- Workers' comp with competitive rates in Midwest states
- Strong agency relationships with personal service model
- Flexible payment plans with low down payments
Limitations
- Available in only 26 states – primarily Midwest and Southeast
- Nightclubs and bars with entertainment are excluded
- Restaurant chains over 10 locations need home office review
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