California Restaurant Insurance
Comprehensive coverage for restaurants, cafes, and food service businesses across California, protecting against liability and industry-specific risks.
Trusted by 523+ California businesses
Save avg. $3,200/yr
Why California Restaurants Need Specialized Insurance
Running a restaurant in California comes with unique risks and responsibilities beyond typical businesses.
Food Safety Liability
Foodborne illness claims can result in lawsuits, health department investigations, and significant financial losses.
Kitchen Equipment Risks
Commercial kitchen equipment is expensive and prone to breakdown, fire, and damage that can shut down operations.
Employee Injury Risks
Restaurant workers face higher injury rates from burns, cuts, slips, and repetitive motion injuries.
Liquor Liability (if applicable)
Restaurants serving alcohol face additional liability from intoxicated patrons and dram shop laws.
Comprehensive Coverage Options
Protect every aspect of your restaurant business with our specialized insurance solutions.
General Liability Insurance
Essential protection for customer injuries, property damage, and advertising claims that can occur in any restaurant.
- Slip and fall accidents
- Property damage claims
- Personal injury lawsuits
- Legal defense costs
Product Liability Insurance
Critical protection against foodborne illness claims and contamination incidents unique to food service businesses.
- Foodborne illness claims
- Food poisoning lawsuits
- Allergic reaction claims
- Contamination coverage
Commercial Property Insurance
Protects your restaurant building, expensive kitchen equipment, and inventory from covered perils.
- Building and improvements
- Kitchen equipment
- Food inventory
- Business personal property
Workers' Compensation Insurance
Mandatory in California for restaurants with employees, covering workplace injuries and illnesses.
- Kitchen injuries and burns
- Slip and fall accidents
- Repetitive motion injuries
- Lost wage replacement
Serving California Restaurants Statewide
From fine dining establishments to fast-casual chains, we provide specialized restaurant insurance coverage across California's diverse culinary markets.
Los Angeles Area
Comprehensive coverage for LA's diverse restaurant market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Ready to Protect Your Restaurant?
Get coverage that truly understands your food service business needs. Our California restaurant insurance specialists are ready to help.
Fast, free quotes from multiple top-rated carriers
Industry-specific coverage tailored to your restaurant
California experts who understand local regulations
Get Your Free California Restaurant Insurance Quote
Frequently Asked Questions
Everything you need to know about restaurant insurance in California
What types of insurance does my restaurant need in California?
California restaurants typically need general liability insurance, product liability coverage, property insurance, workers' compensation (if you have employees), business interruption insurance, and equipment breakdown coverage. Depending on your operations, you may also need liquor liability (if you serve alcohol), cyber liability, or employment practices liability insurance.
Do I need workers' compensation insurance for my restaurant?
Yes, if you have employees in California, you are required to carry workers' compensation insurance. This is especially important in restaurants due to the higher risk of kitchen injuries, burns, cuts, and slip-and-fall accidents.
How much does restaurant insurance cost in California?
Restaurant insurance costs vary widely based on factors like restaurant size, cuisine type, location, and coverage limits. California restaurants typically pay between $3,000 and $15,000 annually for comprehensive coverage, with most establishments averaging $6,000-$10,000 per year.
What is product liability insurance for restaurants?
Product liability insurance protects your restaurant from claims related to foodborne illness, food poisoning, or allergic reactions caused by food served at your establishment. This coverage is essential for any food service business and covers legal defense costs and settlements.
Does my restaurant insurance cover equipment breakdown?
Basic property insurance may not cover equipment breakdown. You typically need separate equipment breakdown coverage for critical kitchen equipment like refrigerators, ovens, and HVAC systems. This coverage pays for repairs and lost income when essential equipment fails.
Do I need liquor liability insurance if I serve alcohol?
Yes, if your restaurant serves alcohol, you need liquor liability insurance. This protects you from claims if a patron becomes intoxicated at your establishment and later causes harm to others. California has specific regulations for establishments serving alcohol.
Still have questions about protecting your restaurant?
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