LimitedVerified Q1 2026
Source: Industry knowledge
Hiscox: Restaurants Insurance Appetite
Hiscox can provide basic GL for very small food service operations — think personal chefs, small caterers, and food truck operators. For actual sit-down restaurants, Progressive or a restaurant program specialist will be far more appropriate. Use Hiscox only as a last resort for tiny food businesses.
Available Lines
| Line of Business |
|---|
| General Liability |
Premium Range
$500-$3,000
Typical annual premium
Target States
All 50 states
Key Features
- Online quoting for very small food service businesses like caterers and food trucks
- GL-only coverage available with same-day binding
- Low minimum premiums suitable for part-time and seasonal food businesses
Limitations
- No BOP, property, or workers' comp for restaurants
- Full-service restaurants with liquor are generally excluded from online program
- Coverage limits capped at $1M/$2M for food service GL
Compare Other Carriers for Restaurants
Progressive CommercialPreferred
$2,500-$12,000
TravelersLimited
$4,000-$18,000
CNAStandard
$3,000-$20,000
ERGO NEXT InsurancePreferred
$1,200-$7,000
The HartfordPreferred
$3,000-$20,000
EMPLOYERS HoldingsPreferred
$1,200-$8,000
AcuityStandard
$3,000-$15,000
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
NationwidePreferred
$2,000-$14,000
Liberty MutualStandard
$2,500-$15,000
ChubbLimited
$3,500-$18,000
Cincinnati FinancialStandard
$2,000-$12,000
Hanover InsuranceStandard
$2,000-$13,000
Auto-Owners InsuranceStandard
$1,800-$11,000
Guard Insurance GroupPreferred
$1,500-$10,000
Markel CorporationStandard
$3,000-$18,000
Coterie InsuranceStandard
$800-$4,500
Selective Insurance GroupStandard
$5,000-$50,000
Kinsale Capital GroupPreferred
$3,000-$25,000
InsureonStandard
$500-$8,000
USLIStandard
$2,000-$15,000