StandardVerified Q1 2026
Source: CNA — Food & Beverage Industry
CNA: Restaurants Insurance Appetite
CNA covers restaurants through their CNA Connect small business platform and CNA Paramount commercial package. While restaurants are not a named specialty industry for CNA, they can write the full package including GL, property, WC, and umbrella. For small restaurants, Progressive is usually more competitive on price.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$3,000-$20,000
Typical annual premium
Target States
All 50 states
Key Features
- CNA Connect BOP covers 300+ small business classes including restaurants
- Workers' comp available for restaurant groups with strong loss history
- Umbrella capacity for multi-location restaurant chains needing high limits
- Loss control consulting for kitchen safety and risk management
Limitations
- Not a named specialty — restaurants are served through the general small business platform
- Single-location small restaurants may find Progressive more competitive
- No dedicated restaurant program page or specialized endorsements
Compare Other Carriers for Restaurants
Progressive CommercialPreferred
$2,500-$12,000
TravelersLimited
$4,000-$18,000
HiscoxLimited
$500-$3,000
ERGO NEXT InsurancePreferred
$1,200-$7,000
The HartfordPreferred
$3,000-$20,000
EMPLOYERS HoldingsPreferred
$1,200-$8,000
AcuityStandard
$3,000-$15,000
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
NationwidePreferred
$2,000-$14,000
Liberty MutualStandard
$2,500-$15,000
ChubbLimited
$3,500-$18,000
Cincinnati FinancialStandard
$2,000-$12,000
Hanover InsuranceStandard
$2,000-$13,000
Auto-Owners InsuranceStandard
$1,800-$11,000
Guard Insurance GroupPreferred
$1,500-$10,000
Markel CorporationStandard
$3,000-$18,000
Coterie InsuranceStandard
$800-$4,500
Selective Insurance GroupStandard
$5,000-$50,000
Kinsale Capital GroupPreferred
$3,000-$25,000
InsureonStandard
$500-$8,000
USLIStandard
$2,000-$15,000