Protect Your Restaurant with Coverage That
WHY YOU NEED TO PURCHASE A RESTAURANT INSURANCE PACKAGE:
- Employment-related claims are on the rise – Restaurants face high risk for harassment, discrimination, and wage/hour disputes. These claims average over $150,000 in legal costs.
- 75%+ of restaurant claims are from daily operations – Slips, trips, kitchen burns, or food-related illness can lead to costly lawsuits or settlements.
- Landlords require it – Most leases demand General Liability coverage before you can open your doors. No coverage = no keys.
- Food spoilage can wipe out your inventory – A power outage or failed walk-in fridge can cost thousands in lost product and revenue—even from one night.
- Personal auto doesn’t cover delivery – If employees use personal vehicles for catering or delivery, your restaurant could be liable without Hired & Non-Owned Auto coverage.
- Most restaurants only have 16 days of cash reserves. Without Business Interruption insurance, a fire or forced closure could shut you down permanently.
- Multiple policies = higher risk of gaps – Coverage split across carriers can delay claims and leave exposures. One bundled policy reduces complexity and risk.
Why Restaurants Trust Us?
One Policy. One Carrier. Zero Headaches.
- One application for multiple coverages
- One underwriter and one renewal date
- A+ rated carriers with proven reliability
- Greater efficiency: One Application, One Quote, One Underwriter, One Policy, One renewal, One Carrier for all claims. All with concurrent effective dates
- Fast COIs for landlords, festivals, or events
One Policy + One Carrier = A Reduction In Coverage Gaps
Protecting your restaurant starts with smart, bundled coverage. We offer tailored insurance packages that combine all your essential coverages into one simplified policy—with one carrier and one renewal date—so you can focus on running your restaurant, not chasing down paperwork.
How does this all-in-one solution help them?
- Prevents gaps in coverage that occur when you have multiple policies with multiple carriers
- Only one renewal date for all lines of coverage
- Policies with multiple coverages renew at a higher rate
- One application to complete. Quoting options:
- Online/Instant Phone Quote
- In by 2 p.m., out by 5 p.m. service
- Efficient renewal process
Coverages to consider adding:
- General liability of day-to-day operations
- Property coverage for building and business personal property
- Special Events for fundraising operations and social events
- Liquor liability for any alcohol service
- Workers’ comp for cooks, servers, and staff
- Hired & non-owned auto for catering or delivery
- Equipment Breakdown, including HVAC & kitchen systems
- Crime and theft protection from employees or outsiders
- Business Interruption & Income Loss
- Directors & Officers/Employment Practices (if nonprofit or dual-use venue)
Our All-In-One Restaurant Insurance Package product provides restaurants the opportunity to purchase Restaurant Insurance coverage all through One application, One underwriter, and One policy!
THIS PRODUCT IS IDEAL:
- For hard-to-place office-based risks
- To satisfy the lease requirement
What Our Clients Say
“I finally found a local agent who understands restaurants. They helped me switch all my coverage to one policy and saved me $1,200 a year.”
– Chef Maria, Santa Ana
“We had a claim after a fridge failure ruined thousands in product—our agent got it handled fast.”
– Eduardo, Anaheim
Why Work with Us?
- Local California agency that knows sit-down restaurant risks
- Fast, friendly service—including same-day COIs
- Spanish-speaking support available
- 30+ years serving small businesses
- Access to multiple carriers for best pricing
FAQs
Do I need liquor liability if I only serve wine?
Yes—any alcohol service introduces liability risk, and some landlords or city permits require it.
Can I get coverage if I’ve had a prior claim?
Yes—we specialize in finding the right fit, even if you’ve had challenges in the past.
What’s the difference between General Liability and Workers’ Comp?
General Liability covers customer injuries; Workers’ Comp covers employee injuries.
Bonus Trust Signals
- A.M. Best A++ Carrier Rated
- BBB Accredited
- Google 4.9-Star Reviewed
- Licensed California Agency