Source: Insureon – Restaurant Insurance
Insureon: Restaurants Insurance Appetite
Insureon is a digital marketplace, not a carrier. Policies are issued through partners like Hartford, Progressive, Travelers, and Hiscox. For restaurants, Insureon's value is comparison shopping across multiple carriers in a single application. Best for very small restaurants and food service businesses seeking the lowest available premium.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Professional Liability |
| Commercial Auto |
| Cyber Insurance |
Premium Range
$500-$8,000
Typical annual premium
Target States
All 50 states (through carrier partners)
Key Features
- Digital marketplace matching restaurants with multiple carrier partners
- Quotes from Hartford, Progressive, Travelers, Hiscox, and other carriers
- Simple online application with side-by-side carrier comparison
- Low minimum premiums for food trucks and micro-restaurants
- Instant certificates of insurance from carrier partners
Limitations
- Policies issued through carrier partners, not directly by Insureon
- Coverage terms and pricing depend on the matched carrier
- Nightclubs and high-liquor-revenue venues may have limited carrier matches
Compare Other Carriers for Restaurants
$2,500-$12,000
$4,000-$18,000
$3,000-$20,000
$500-$3,000
$1,200-$7,000
$3,000-$20,000
$1,200-$8,000
$3,000-$15,000
$3,000-$15,000
$1,500-$10,000
$2,000-$15,000
$2,000-$12,000
$1,000-$8,000
$2,000-$14,000
$2,500-$15,000
$3,500-$18,000
$2,000-$12,000
$2,000-$13,000
$1,800-$11,000
$1,500-$10,000
$3,000-$18,000
$800-$4,500
$5,000-$50,000
$3,000-$25,000
$2,000-$15,000