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
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
$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
$500-$8,000
$2,000-$15,000