North Carolina Restaurant businesses pay $126–$525/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Charlotte | $151–$630/mo | Compare → |
| Raleigh | $145–$604/mo | Compare → |
| Greensboro | $132–$551/mo | Compare → |
| Durham | $141–$588/mo | Compare → |
| Winston-Salem | $129–$536/mo | Compare → |
| Fayetteville | $126–$525/mo | Compare → |
| Cary | $149–$620/mo | Compare → |
| Wilmington | $136–$567/mo | Compare → |
| High Point | $126–$525/mo | Compare → |
| Concord | $136–$567/mo | Compare → |
| Mecklenburg County | $151–$630/mo | Compare → |
| Wake County | $145–$604/mo | Compare → |
| Guilford County | $132–$551/mo | Compare → |
| Forsyth County | $129–$536/mo | Compare → |
| Durham County | $141–$588/mo | Compare → |
| Cumberland County | $126–$525/mo | Compare → |
| Buncombe County | $132–$551/mo | Compare → |
| Union County | $139–$578/mo | Compare → |
| Cabarrus County | $132–$551/mo | Compare → |
| Iredell County | $129–$536/mo | Compare → |
Restaurant businesses in North Carolina typically pay $126–$525/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
North Carolina doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Restaurant businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in North Carolina for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Restaurant policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for North Carolina cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.