PreferredVerified Q1 2026
Source: Erie Insurance — Restaurant Insurance
Erie Insurance: Restaurants Insurance Appetite
Erie has a dedicated restaurant insurance page and industry package, making restaurants a named specialty class. Their food contamination coverage with $25,000 Board of Health closure benefit is a unique differentiator. For restaurants in Erie's 12-state territory, this should be a primary market. The coverage is especially strong for independent restaurants and small chains in the Mid-Atlantic and Midwest.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Business Owners Policy (BOP) |
| Umbrella/Excess |
Premium Range
$3,000-$15,000
Typical annual premium
Target States
12 states + DC (IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI)
Key Features
- Dedicated restaurant industry package with specialized endorsements
- Food contamination coverage pays up to $25,000 for income protection and expenses if Board of Health orders closure
- Coverage for breweries, wineries, and distilleries through a related program
- Strong small commercial platform ideal for independent and family-owned restaurants
- Competitive package pricing through independent agent network
Limitations
- Only available in 12 states + DC — not a national market
- Large restaurant chains with locations outside Erie's territory need additional carriers
- No separate liquor liability endorsement highlighted — verify availability for bars
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
EMPLOYERS HoldingsPreferred
$1,200-$8,000
AcuityStandard
$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