PreferredVerified Q1 2026
Source: Progressive Commercial — Restaurant Insurance
Progressive Commercial: Restaurants Insurance Appetite
Progressive is a strong first-quote option for small to mid-size restaurants. Their BOP program handles most casual dining, fast-casual, and QSR operations with minimal underwriting friction. For fine dining or multi-location groups, expect manual underwriting review.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Auto |
| Commercial Property |
| Umbrella/Excess |
Premium Range
$2,500-$12,000
Typical annual premium
Target States
49 states (not available in Hawaii)
Key Features
- Streamlined BOP quoting for restaurants under $5M in revenue
- Bundled commercial auto for delivery and catering operations
- Competitive workers' comp rates for kitchen and wait staff
- Online self-service portal for certificates of insurance
- Flexible payment plans with monthly billing options
Limitations
- Bars and taverns with more than 50% liquor sales require separate submission
- Nightclubs and entertainment venues are excluded from BOP program
- Maximum 3 locations per policy in the small commercial program
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