Source: BTIS — Carrier Programs
BTIS: Restaurants Insurance Appetite
BTIS can place restaurant risks through their network of 30+ carrier partners, giving agents access to multiple markets from a single submission. While restaurants are not a named specialty for BTIS, their broad carrier access means they can often find competitive pricing for standard restaurant classes. For small to mid-size restaurants, BTIS is a good secondary market to quote alongside direct carriers like Progressive or The Hartford. Agents should note that BTIS acts as an intermediary — policies are issued by the underlying carrier, not BTIS itself.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
All 50 states
Key Features
- Access to 30+ A-rated carrier partners for competitive restaurant quoting
- BOP programs available for single-location restaurants and small chains
- Workers' comp through carrier partners with competitive rates for food service
- Quick-turn quoting for standard restaurant classes through online platform
Limitations
- No dedicated restaurant specialty program — coverage is placed through general small business programs
- Bars and nightclubs with high liquor liability exposure are typically declined
- Large multi-location restaurant groups may need a direct carrier like Travelers for better packaging
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