Source: Nationwide — Restaurant Insurance
Nationwide: Restaurants Insurance Appetite
Nationwide is a top-tier choice for restaurant insurance with one of the broadest BOP programs in the market. Their appetite covers everything from fast-casual to full-service dining. The built-in food spoilage and equipment breakdown coverage saves agents from needing separate endorsements. Strong agent relationships through their exclusive agency model.
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-$14,000
Typical annual premium
Target States
All 50 states and DC
Key Features
- Broad BOP program tailored for restaurants with food spoilage and equipment breakdown included
- Liquor liability available as endorsement for establishments serving alcohol
- Workers' comp with managed care programs to reduce claim costs
- Commercial property coverage with business income and extra expense built in
- Multi-location restaurant groups eligible for account pricing discounts
Limitations
- Bars and nightclubs with over 75% liquor revenue require separate underwriting
- Food trucks and mobile catering operations need specialty endorsement
- Franchise operations over 10 locations require regional underwriting approval
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