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Restaurant Insurance in California
Restaurant insurance, from the kitchen to the dining room.
✓ Liquor liability available
✓ Business income protection
✓ 24-hour restaurants welcome
Get a restaurant quote
Tell us about your restaurant. A licensed advisor will follow up.
No obligation. We’ll only use your information to prepare your quote.
Businesses we insure
What restaurant owners ask us for
Property & Equipment
Your building or tenant improvements, kitchen equipment, furniture, and signage.
General Liability
Covers guest injuries like slips and falls, plus claims of foodborne illness.
Liquor Liability
If you serve alcohol, this covers claims involving a guest who was served and then caused harm.
Workers' Compensation
Burns, cuts, and slips are common in a busy kitchen. Covers your cooks, servers, and dishwashers. Pay-as-you-go options available.
Employment Practices
High turnover means more exposure to harassment, discrimination, and wage-and-hour claims.
Cyber & Delivery Auto
Card data breaches, plus hired and non-owned auto when staff deliver in their own cars.
Want the details on each coverage? See all business insurance coverage →
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Want fewer claims and better renewals? See our risk management services →
When the doors have to close
A kitchen fire costs more than the repairs.
Rent, payroll, and loan payments don't stop when you close. These coverages keep the business going while you rebuild.
Business income
Replaces lost income and covers ongoing expenses while you're closed.
Food spoilage
Pays for inventory lost when a cooler fails or the power goes out.
Equipment breakdown
Covers ovens, refrigeration, and HVAC after a mechanical or electrical failure.
Fire prevention
Keeping hood suppression and cleaning on schedule can lower your rate.
24-hour restaurants
Insurance for 24-hour restaurants
Open around the clock? Restaurants that never close can be harder to insure, and many owners aren't sure where to turn. We can help. We work with carriers that insure 24-hour restaurants in California and set up coverage for the risks that come with late-night hours.
Get a 24-hour restaurant quoteCarriers that say yes
We know which carriers write 24-hour diners, drive-thrus, and late-night kitchens.
Assault & battery coverage
Many liability policies exclude it. We check yours, so a late-night incident isn't left uncovered.
Crime & theft protection
Coverage for robbery, burglary, and employee theft, especially for cash handled overnight.
Coverage for every shift
Workers' comp and employment practices coverage for your overnight crew.
Have these ready and we can move fast.
Opening a new location? Talk to us before you sign the lease.
- Annual sales, and the share that comes from alcohol
- Square footage, seating, and whether you own or lease
- Cooking setup: fryers, open flame, and hood suppression
- Number of employees, payroll, and whether you deliver
- Loss runs for the last 3–5 years, if you have them
Restaurant insurance FAQs
What insurance does a restaurant need in California?
Workers' compensation is required if you have employees. Most leases require general liability and property coverage. If you serve alcohol, you'll want liquor liability too.
Can you insure a 24-hour restaurant?
Yes. Many carriers limit or decline restaurants that stay open around the clock, so finding coverage can be hard. We work with carriers that insure 24-hour diners, drive-thrus, and late-night kitchens, and we make sure coverage like assault and battery and crime isn't left out.
Why is it harder to insure a 24-hour restaurant?
Late-night hours can mean more risk of robbery, assaults, and accidents, plus equipment that runs nonstop and staff working overnight. Some carriers avoid that risk entirely. We know which carriers will write it and what coverage a 24-hour operation needs.
Do I need liquor liability if I only serve beer and wine?
It's strongly recommended. Even beer and wine sales can lead to claims if a guest is served and then causes harm, and many landlords require it in the lease.
Is a business owner's policy (BOP) right for my restaurant?
Often, yes. A BOP bundles general liability and property coverage, usually for less than buying them separately. Larger or higher-risk restaurants may need separate policies instead.
Does my policy cover food spoilage?
Not always automatically. Food spoilage coverage is often an add-on that pays for inventory lost when a cooler fails or the power goes out.
How much does restaurant insurance cost?
It depends on your sales, the share from alcohol, your cooking setup, your location, payroll, and claims history. A free quote is the quickest way to know.
Renewal coming up? Let's compare.
Send us your current policy and we'll check it for gaps before you renew.