Source: ERGO NEXT — Restaurant, Food & Bar Insurance
ERGO NEXT Insurance: Restaurants Insurance Appetite
NEXT Insurance is an excellent option for small restaurants, food trucks, and cafes that want fast digital quoting and simple coverage. Their mobile app and instant COI generation are popular with restaurant owners. For larger or more complex restaurants, Progressive or a specialty restaurant program will offer broader coverage.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Auto |
Premium Range
$1,200-$7,000
Typical annual premium
Target States
All 50 states
Key Features
- Fully digital quoting and binding in under 10 minutes
- BOP tailored for small restaurants, cafes, and food trucks
- Workers' comp with integrated payroll billing for restaurant staff
- Instant certificate of insurance generation from mobile app
- Competitive pricing for restaurants under $2M in annual revenue
Limitations
- Maximum revenue of $5M for online program eligibility
- Liquor liability limited to beer and wine — full bar operations need separate coverage
- No umbrella or excess liability available
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