ERGO NEXT - Place restaurant clients with confidence
Restaurants and food businesses serve customers, manage staff and may be selling alcohol — which means their exposure may go beyond the dining room.
Access our comprehensive guide, ERGO NEXT: Your guide to selling them coverage, to discover which restaurant and food businesses ERGO NEXT can cover, what their coverage needs are, and effective ways to begin client conversations. Plus, take advantage of our improved pricing for fine dining and fast food establishments.
Recently Bound Accounts
Restaurant, North Carolina
LOB(s): BOP (GL + CP)
Premium: $4,930
Coverage highlights: Damages to rented premises, personal and advertising injury, EPLI, Liquor Liability, Key and lock, spoilage
Restaurant, Pennsylvania
LOB(s): BOP, WC
Premium: $4,077
Coverage highlights: Damages to rented premises, personal and advertising injury, employee accident, employee disease
Food Truck, Ohio
LOB(s): BOP (GL + CP)
Premium: $1,800
Coverage highlights: Damages to rented premises, personal and advertising injury, EPLI, Liquor Liability, Key and lock, contamination
Food business we can cover
Fine dining
Casual dining
Fast food restaurants
Coffee shops
Bakeries
Food trucks
Caterers
Cloud or shared kitchens
Cafeterias
Available coverages
Business Owner's Policy (BOP): An integrated solution merging commercial property and general liability for businesses with physical locations or assets.
Liability Coverage: $1M per occurrence / $2M aggregate
Liability Deductible: $0
Property Limits: Up to $3M TIV; max $1M for business personal property
Property Deductible: Ranges from $500 to $5K
Available in all 47 states and Washington, DC. In CA and WY, general liability and commercial property (CP) are currently sold separately. BOP and CP are not available in FL.
Optional endorsements: Umbrella/excess liability, liquor liability, food spoilage, equipment breakdown, cyber, employer practices liability insurance (EPLI), HNOA
General liability: Can help cover claims that the client caused third-party bodily injury property damage or advertising injury.
Limits: $1M occurrence/$2M aggregate
Deductible: $0
Available in all 50 states and Washington, DC
Optional add-ons: Umbrella/excess liability, liquor liability, cyber, employer practices liability insurance (EPLI), HNOA
Workers' compensation: Can help cover medical costs and lost wages if the client's employee is injured or becomes ill on the job.
Deductible: $0
Employers liability: Up to $1M per accident/per employee/aggregate
Includes: Blanket waiver of subrogation
Available in 40 states
AL, AK, AZ, AR, CA, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MS, MO, MT, NE, NV, NH, NJ, NM, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV
Get started with ERGO NEXT and build your book of food and beverage business.
*Coverage and product availability varies by profession and/or state and is subject to change. See our appetite checker for state availability.