Take advantage of our extensive expertise

  • Nationwide is a leading food service insurer. We help protect over 20,000 restaurants across the U.S.
  • We support midsize and growing restaurant groups, including those with over 100 locations.
  • You’ll work with underwriters, loss control specialists and claims consultants with expertise in the food service industry.
  • Nationwide is a national carrier that writes commercial insurance in 46 states and the District of Columbia.

We have a big appetite for Food Service

  • Bakeries
  • Breweries
  • Cafes
  • Carryout
  • Caterers
  • Coffee shops
  • Delicatessens
  • Diners (other than 24-hour)
  • Family-style/table service
  • Fast casual
  • Fast food
  • Fine dining
  • Food stands
  • Food trucks
  • Ice cream/yogurt shops
  • Pizza parlors
  • Sandwich shops
  • Sidewalk food vendors
  • Virtual restaurants/brands
waiter in a restaurant

Middle market requirements

We look to serve restaurant groups and other food service operations that are growing and have outgrown small-business coverages.

  • General liability: +$20 million in sales
  • Property: +$20 million in value
  • Workers’ compensation: 50 or more employees
  • Commercial auto: +20 power units

How we protect food service businesses

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Provides fundamental commercial property, business income and general liability coverage.

Contains upgrades to liability protection such as:
  • Damage to premises rented to the insured
  • Automatic coverage for newly formed and acquired organizations for up to 180 days
  • Aggregate limit per location
  • Broadened definition of bodily injury to include mental anguish
  • Unintentional failure to disclose hazard

Restaurants: Gold and Platinum endorsements boost coverage for anything from accounts receivable and employee dishonesty to food contamination and loss of utility service.

Gold and Platinum endorsements boost auto coverage for anything from additional insureds and emergency lockouts to extended towing and transportation expenses.

  • Liquor Liability
  • Spoilage Coverage
  • Workers’ Compensation
  • Management Liability (including Cyber Liability)
  • Flood and Earthquake
  • Equipment Breakdown
  • Commercial Umbrella
customers at a restaurant

How we work with businesses like yours

We look to partner with business owners who passionately care about their employees’ safety and business’s reputation. Their quality standards are high, and they have the same expectations of their employees, suppliers and business partners.

Nationwide CustomSolutions® meets the complex and specialized needs of midsize and growing Food Service businesses by providing customized coverages, state-of-the-art loss control services and superior claims services. We’ll work with you and your agent to tailor insurance solutions for your business, identify key loss drivers and suggest remedies to help manage those risks.

Help when it’s needed most

Return-to-work programs for injured or ill employees covered by workers’ compensation
Specialized expertise in exposures common to food service, such as product liability, state-specific liquor liability, additional insured responsibility and contractual risk transfer
Assigned Claims Business Consultant to serve qualifying accounts

Other business insurance policies you may need

We know risk factors vary from one account to another. We encourage you to call us with any questions about renewals or new business that aren’t included in our class guidelines.

Find an agent

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.