Source: Liberty Mutual — Restaurant Insurance
Liberty Mutual: Restaurants Insurance Appetite
Liberty Mutual offers a solid restaurant program but is not the most aggressive on pricing. Their strength is in workers' comp and loss control for restaurant groups. For single-location restaurants, Nationwide or Progressive may be more competitive. Liberty Mutual is best positioned for mid-size restaurant groups that value risk management.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Umbrella/Excess |
| Liquor Liability |
Premium Range
$2,500-$15,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- BOP with food spoilage and equipment breakdown endorsements available
- Liquor liability for full-service restaurants and bars
- Workers' comp with dedicated restaurant loss control programs
- Hiring practices liability coverage available as endorsement
- Multi-location programs with tiered pricing for restaurant groups
Limitations
- Nightclubs and entertainment venues are excluded from BOP program
- Ghost kitchens and delivery-only operations require individual underwriting
- Seasonal restaurants with less than 6 months of operation need special review
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