LimitedVerified Q1 2026
Source: Travelers — Restaurant Insurance
Travelers: Restaurants Insurance Appetite
Travelers will write restaurants but it is not their sweet spot. Expect longer underwriting timelines and higher premiums compared to Progressive or a restaurant specialist. Best suited for upscale multi-location groups that need high umbrella limits and strong loss control support.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Umbrella/Excess |
Premium Range
$4,000-$18,000
Typical annual premium
Target States
All 50 states
Key Features
- Workers' comp program with dedicated restaurant loss control resources
- Property coverage with broad valuation options for kitchen equipment
- Umbrella capacity up to $25M for multi-location restaurant groups
Limitations
- No BOP program for restaurants — must quote monoline GL and property
- Fast food and QSR are generally not a target segment
- Liquor liability requires separate endorsement with additional underwriting
Compare Other Carriers for Restaurants
Progressive CommercialPreferred
$2,500-$12,000
CNAStandard
$3,000-$20,000
HiscoxLimited
$500-$3,000
ERGO NEXT InsurancePreferred
$1,200-$7,000
The HartfordPreferred
$3,000-$20,000
EMPLOYERS HoldingsPreferred
$1,200-$8,000
AcuityStandard
$3,000-$15,000
Erie InsurancePreferred
$3,000-$15,000
biBERKPreferred
$1,500-$10,000
AmTrust Financial ServicesPreferred
$2,000-$15,000
BTISStandard
$2,000-$12,000
Pie InsurancePreferred
$1,000-$8,000
NationwidePreferred
$2,000-$14,000
Liberty MutualStandard
$2,500-$15,000
ChubbLimited
$3,500-$18,000
Cincinnati FinancialStandard
$2,000-$12,000
Hanover InsuranceStandard
$2,000-$13,000
Auto-Owners InsuranceStandard
$1,800-$11,000
Guard Insurance GroupPreferred
$1,500-$10,000
Markel CorporationStandard
$3,000-$18,000
Coterie InsuranceStandard
$800-$4,500
Selective Insurance GroupStandard
$5,000-$50,000
Kinsale Capital GroupPreferred
$3,000-$25,000
InsureonStandard
$500-$8,000
USLIStandard
$2,000-$15,000