PreferredVerified Q1 2026
Source: Employers — California Restaurant Association Partnership
EMPLOYERS Holdings: Restaurants Insurance Appetite
Employers is the top workers' comp market for restaurants, especially in California where they have the CRA partnership. Pair with a GL/property carrier like Progressive or biBERK for the full account. Restaurants are their bread and butter — you will get competitive pricing and knowledgeable claims handling on kitchen injuries, slips and falls, and burns.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$1,200-$8,000
Typical annual premium
Target States
46 states + DC
Key Features
- Exclusive workers' comp carrier for the California Restaurant Association with 5% member credit
- Broad underwriting appetite for quick-service, fast food, and full-service restaurants
- Restaurants are the single largest customer segment — deep industry expertise
- Pay-as-you-go billing aligned to seasonal restaurant payroll fluctuations
- Dedicated return-to-work programs for kitchen and service staff injuries
Limitations
- Workers' compensation only — no GL, property, or BOP available
- Nightclub and bar-only operations may face additional underwriting scrutiny
- Large restaurant groups over 250 employees may need excess workers' comp separately
Compare Other Carriers for Restaurants
Progressive CommercialPreferred
$2,500-$12,000
TravelersLimited
$4,000-$18,000
CNAStandard
$3,000-$20,000
HiscoxLimited
$500-$3,000
ERGO NEXT InsurancePreferred
$1,200-$7,000
The HartfordPreferred
$3,000-$20,000
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