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
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