Restaurant Insurance
Running a restaurant means managing risks that go far beyond the kitchen, from customer slip and falls to equipment breakdowns and food spoilage. Restaurant insurance may help cover property damage, liability claims and lost income if your business is forced to close temporarily due to a covered event. Because every restaurant’s exposure is different, coverage is typically tailored to fit the size, service style and location of your operation.
What Does Restaurant Insurance Typically Cover?
Most restaurant policies combine several types of protection into one package. Common coverages include:
- General liability for customer injuries or property damage claims
- Property coverage for your building, equipment and inventory
- Liquor liability if your restaurant serves alcohol
- Business interruption coverage for lost income during a covered shutdown
- Workers’ compensation for employee injuries on the job
Is Restaurant Insurance Required in California?
California law requires workers’ compensation insurance for any restaurant with employees. While general liability isn’t state mandated, most landlords, lenders and permit agencies require it before a restaurant can open or lease space.
How Much Does Restaurant Insurance Cost?
Premiums vary based on factors like restaurant size, revenue, whether alcohol is served and claims history. Ontario, CA restaurant owners can get an accurate quote by speaking directly with a licensed agent about their specific operation.