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Industry Expertise

Restaurants & Hospitality

Restaurants and bars in California need general liability that landlords and health inspectors expect, workers' comp the moment they hire, and — wherever alcohol is served — liquor liability, since the state can hold a business responsible for harm caused by an over-served patron. Add fire, foodborne-illness, and slip-and-fall exposure, and a single incident can close the doors if it isn't covered.

Coverage to Consider Schedule Consultation

Who this coverage is for

This fits restaurants, cafes, bars, and food trucks, along with caterers and banquet operations. It also suits hotels, event venues, and other hospitality businesses serving food, drinks, or lodging.

What it can help protect

Hospitality coverage protects guests, staff, and the physical business:

  • General liability — covers guest injuries like slips and falls, and third-party property damage.
  • Liquor liability — responds to claims of harm caused by a patron your business served alcohol to.
  • Property and equipment — helps repair the building, kitchen equipment, and contents after fire or other covered damage.
  • Foodborne illness and spoilage — helps with claims and losses tied to contaminated food or lost inventory after an outage.
  • Injured employees — workers' comp for kitchen burns, cuts, and other on-the-job injuries, required by California law once you hire.

Key industry risk considerations

A licensed review will usually focus on revenue dependence on one or more locations, equipment/spoilage/utility interruption concerns, and high employee turnover and delivery exposure.

Coverages for this industry

The coverages most relevant to Restaurants & Hospitality, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

General Liability Insurance

Covers customer injuries and liquor-related exposure.

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Core

Commercial Property Insurance

Protects kitchen equipment, building, and contents.

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Core Often required

Workers' Compensation Insurance

Required in CA for staff; covers kitchen injuries.

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Recommended

Business Interruption Insurance

Replaces income if you must close after a loss.

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Recommended

Employment Practices Liability Insurance (EPLI)

High staff turnover raises employment-claim risk.

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Situational

Commercial Auto Insurance

For delivery or catering vehicles.

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Situational

Cyber Liability Insurance

If you store customer payment data.

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Have an advisor review the whole stack →

Common Questions