PreferredVerified Q1 2026
Source: Guard Insurance Group – Small Business Insurance
Guard Insurance Group: Restaurants Insurance Appetite
Guard is a top choice for small independent restaurants. Their BOP program, backed by Berkshire Hathaway, handles most casual dining and fast-casual operations with minimal underwriting friction. Sweet spot is $1,000-$30,000 total premium. Fine dining and multi-location groups may need manual review.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP program tailored for small restaurants under $3M revenue
- Berkshire Hathaway backing provides exceptional financial stability
- Quick-issue BOP with same-day bind for qualifying restaurants
- Competitive workers' comp rates for food service class codes
- Flexible payment plans including monthly EFT billing
Limitations
- Bars and taverns with over 50% liquor revenue require separate submission
- Nightclubs and entertainment-focused venues are excluded
- Maximum 2 locations per BOP policy
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