California

Restaurant Insurance

Made Easy

Protect your sit-down restaurant with tailored coverage that understands the unique risks of the food service industry.
Serving California restaurants since 1990 with warm, personal support and fast claims response.

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Free Restaurant Insurance Checklist

Make sure nothing gets left off the menu of protection.

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Why Smart Restaurant Owners Get Insured (and Stay Insured)?

Running a restaurant is more than just great food — it’s nonstop fire drills, staff drama, surprise inspections, and what-if disasters. That’s where insurance steps in.

Here’s how our coverage keeps your business from going up in smoke (literally):

No More Staff Injury Surprises

Slippery floors and hot kitchens = employee injuries. We help manage Workers’ Comp so claims don’t skyrocket your premiums.

Simple, Gap-Free Coverage

Confused by your policy? We explain it in plain English—and make sure you don’t overpay or leave dangerous gaps.

Serving Alcohol? You're Covered.

One drink too many could mean a lawsuit. We make sure you’re protected with the right Liquor Liability coverage.

Fire, Floods & Breakdown? You’re Back Fast.

When disaster forces you to shut down, Business Interruption and Equipment Coverage keep your finances stable.

Slip-and-Fall Lawsuits? Handled.

Customers trip, and suddenly you’re being sued. Our General Liability protects your business and your peace of mind.

Bonus: More Coverage, Less Hassle

From food spoilage to delivery van accidents, we’ve got your kitchen covered. We even help meet landlord lease requirements.

Let’s Make Sure You’re Covered

No pressure. No pushy sales. Just honest advice and insurance that fits your restaurant

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What’s On the Menu of Protection?

Your restaurant serves food. We serve peace of mind.
Here's what we help protect, so you can focus on feeding happy customers:

General Liability

Covers customer injuries, property damage, and legal fees — the essentials your landlord (and lawyer) will thank you for.

Property Insurance

Fires, theft, broken equipment then, Life happens. We'll help you bounce back quickly.

Workers' Compensation

Protects your team and keeps you compliant with California law.

Liquor Liability

Serving alcohol? Make sure one bad night doesn't cost you your business.

Business Interruption

IF you're forced to close temporarily, this covers lost income, keeping the lights (and hope) on.

Commercial Auto

Whether it's deliveries or catering, we protect your business on wheels.

Food Spoilage & Contamination

Power out? Walk-in fridge fail? We've got your lost inventory covered.

What our Customers say About Us

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Carlos M.

"When a kitchen fire shut us down for a week, Rosie and her team stepped in right away. They helped with the claim, answered all our questions, and we were back open faster than expected."

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Chef Maria

"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."

Eduardo C.

"We had a claim after a fridge failure ruined thousands in product—our agent got it handled fast."

Why Choose Neighborhood Insurance Agency?

We’re a locally owned, independent insurance agency in Santa Ana, California. For over 30 years, we’ve helped restaurant owners across Southern California protect what matters most—from family-owned diners to full-service restaurants with liquor licenses. We speak both English and Spanish, and we treat every client like family.

37 years

Neighborhood Roots

Neighborhood-owned since 1990, we’ve spent over 30 years protecting restaurants across Southern California, from family-run spots to full-service establishments.

2 Languages

Inclusive & Bilingual

Inclusive service in English and Spanish means your needs are heard and understood so there's 100% clarity and 0% confusion.

100%

Always on Your Side

As a fully independent agency, we're always advocating for your best interest. We promote bespoke coverage with real support.

You have questions?

Ask Away, We Don’t Bite (Unless You’re a Taco). 🌮

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Have more questions? Give us a call/text at (714) 285- 9990, or send us an e-mail to get started.

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