Your Restaurant Insurance Experts
Restaurant insurance typically bundles general liability for guest injuries, commercial property for kitchen equipment and contents, liquor liability if you serve alcohol, workers’ compensation, and often spoilage and business interruption coverage. In California, workers’ compensation is required once you have any employees, and coverage can be tailored to whether you serve alcohol or offer delivery.
A restaurant runs on tight margins and long hours, and a single incident can undo a good year. A guest slips near the host stand, a walk-in cooler fails overnight, a fire shuts your kitchen for weeks. We help California restaurant and bar owners protect the business they have worked hard to build, in plain terms.
Liability Coverage for your Restaurant
What are common risks for restaurants? A guest is injured on your premises or claims a foodborne illness. Refrigeration fails and inventory spoils, or a range or hood system breaks down. A kitchen fire or water loss forces a temporary closure. A delivery driver has an accident on the clock. An employee files a harassment or wage-related claim.
Restaurant Liability Policy Components
There are multiple coverages that make up a solid restaurant insurance policy. Here is what each one does.
Business Interruption Coverage
If a fire or covered loss shuts your kitchen down, business interruption coverage may help replace lost income while you rebuild and reopen.
Commercial Property Coverage
Covers kitchen equipment, furnishings, and contents. Spoilage and equipment breakdown coverage can also be added for refrigeration failures and mechanical losses.
Liquor Liability Coverage
California is not a traditional dram-shop state, so there is generally no broad legal mandate to carry liquor liability. That said, it is often required by your lease, your license conditions, or a landlord or contract, and it provides real protection if you serve or sell alcohol.
