General Liability Insurance: This coverage is crucial for restaurants. It protects against lawsuits related to customer injuries, property damage, or foodborne illnesses. If a customer slips and falls in your restaurant or claims that your food made them sick, general liability insurance provides financial protection.

Commercial Property Insurance: Covers physical assets such as the restaurant building, kitchen equipment, furniture, and inventory. If your property is damaged due to fire, theft, or natural disasters, this insurance helps with repair or replacement costs.

Business Interruption Insurance: If your restaurant faces unexpected closures (e.g., due to fire or other covered events), business interruption insurance compensates for lost income and additional expenses during the downtime.

Commercial Crime Insurance: Protects against crimes like burglary, fraud, and employee dishonesty. It helps cover financial losses resulting from criminal activities.

Food Contamination Endorsement: If health authorities shut down your restaurant due to a foodborne illness outbreak, this coverage assists with expenses like lost income, food replacement, and equipment cleaning.

Workers’ Compensation Insurance: Required for businesses with employees, workers’ comp covers medical expenses and lost wages if employees are injured on the job.

Liquor Liability Insurance (if applicable): Necessary for restaurants serving alcohol. It protects against claims arising from alcohol-related incidents.

Having the right restaurant insurance ensures compliance with state regulations and provides peace of mind for restaurant owners in California