Source: Hanover Insurance — Business Insurance
Hanover Insurance: Restaurants Insurance Appetite
Hanover is a reliable choice for restaurants in the Northeast and Mid-Atlantic. Their relationship-based model through independent agents means personalized service and competitive terms. Not the broadest geographic footprint, but in their core territory they are very competitive for family-owned and independent restaurants.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Umbrella/Excess |
| Liquor Liability |
Premium Range
$2,000-$13,000
Typical annual premium
Target States
36 states (strongest in Northeast and Mid-Atlantic, expanding nationally)
Key Features
- BOP with food spoilage and equipment breakdown endorsements
- Liquor liability available for restaurants with bar operations
- Workers' comp with restaurant-specific loss control consulting
- Competitive pricing for family-owned and independent restaurants
- Account rounding credits when multiple lines are placed together
Limitations
- Not available in 14 states — strongest presence in Northeast
- Nightclubs and bars with entertainment are excluded
- Fast food franchises with over 5 locations need individual review
Compare Other Carriers for Restaurants
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