State Auto Property & Casualty Insurance

Are you looking for a property/casualty Insurance program designed specifically for restaurants? You've come to the right place. 
 
Our MRA-endorsed program provides:

• Annual dividend potential for eligible MRA members who insure with State Auto
• Quality insurance protection
• Competitive premiums
• 24-hour claims service
• Online access to various loss control training materials including model safety programs

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Looking to find out more about each specific benefit? Here is a simple breakdown of each coverage.

Annual Dividend Potential
 Here’s how it works:  First, MRA members’ premiums are recognized as a group.  Next, after payment of claims, program expenses and taxes, year-end results are calculated.  If there is a profit, a dividend is issued to participating members of qualifying groups.  MRA members who insure with State Auto for the first time during a program year are eligible for a full dividend, not a pro-rated amount. 
 
Why not insure with a company willing to share the profits with you when they enjoy a profitable year?  Wouldn’t you rather improve your bottom line rather than increase the profits of your insurance company?  The dividend program can only help you; policyholders are not penalized if the group does not achieve a profit.     

The annual dividend potential is up to 12% of earned premiums.
 
Quality Insurance Protection
Coverage matters when your business suffers a loss. Having the right insurance protection is critical.  State Auto’s insurance policies are tailored for the business needs of participating MRA members. Their Restaurant package may include the following coverages and more:

• Property (building)
• Business Personal Property (building contents)
• Business Income
• Business Income on Food-Borne Illness
• Data Compromise
• Backup of Sewers and Drains
• Off-Premises Power Failure
• Spoilage
• General Liability
• Liquor Liability
• Employment Practices Liability  ​​

Competitive Premiums
Price does matter, and you should not have to pay more for the right insurance protection for your business.  The right price for the coverage your business needs – that’s the State Auto goal.  Insure with State Auto, a company known for providing stable, competitive premiums with quality insurance protection, with an A.M. Best rating of "A-" (Excellent).  Access to the program can only be provided by an independent insurance agent representing State Auto.
 
Ready to sign up and have the peace of mind knowing you're well taken care of?
Just follow these steps:

1. Request a proposal from an MRA-member State Auto agent listed on the MRA website:  
2. Compare the State Auto proposal to your current coverage and pricing.
3. Insure with State Auto to receive the benefits of the MRA-endorsed program.

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