General liability
Helps address covered claims involving injury to a guest or other third party, or damage to someone else’s property.
Explore General Liability
Capital Providers Insurance Services
Restaurant Insurance
Restaurant Insurance
for California Businesses.
From the kitchen to the dining room, your restaurant has different risks to manage. Talk with CPIS about coverage for your people, property, and daily operations.
Coverage around your operations
Your restaurant needs more than one kind of protection.
Restaurant insurance is a combination of coverages selected for the business. A customer injury, a kitchen fire, and an employee injury can involve different policies.
Review what is included.
Some protections can be packaged together. Others need separate policies or endorsements. Availability depends on your operations and insurer underwriting.
Serving your guests.
Discuss customer visits, food service, off-site events, and allegations of injury or property damage.
Keeping the kitchen running.
Review the equipment, refrigerated stock, and premises your daily service depends on.
Supporting your team.
Consider kitchen and dining-room work, employee injuries, and employment-related claims.
Policies to discuss
Review the main parts of your restaurant’s protection.
Use your current operations and requirements to guide the discussion. Each policy has its own terms, limits, and exclusions.
Commercial property
Discuss covered damage to your premises, kitchen equipment, furniture, and inventory. Clarify what you own versus lease.
Workers’ compensation
Provides benefits for covered work-related employee injuries or illnesses. Describe your kitchen, service, and delivery roles.
Explore Workers’ Compensation →Commercial auto
Review restaurant-owned vehicles, catering trips, and any employee use of personal vehicles for business.
Explore Commercial Auto →Employment practices liability
May address covered employment-related claims alleging discrimination, harassment, or wrongful termination.
Cyber insurance
Discuss online ordering, payment systems, customer information, and covered breach response or liability costs.
Explore Cyber Insurance →Need higher liability limits? Ask about Commercial Umbrella Insurance above eligible underlying policies.
Restaurant-specific questions
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Look closely at the risks behind the service.
Ask whether the following protections are available and appropriate for your restaurant. They are not automatically included in every policy.
Business income & extra expense
Can help with eligible lost income and expenses during a qualifying interruption after covered property damage. A closure alone does not establish coverage.
Equipment breakdown & spoilage
Ask about mechanical or electrical breakdown and loss of perishable inventory. Triggers, power-outage terms, deductibles, and limits can differ.
Liquor liability
If you sell, serve, or furnish alcohol, disclose it. Review liquor liability separately rather than assuming general liability covers that exposure.
Food contamination
Ask how the policy treats contaminated stock, cleanup costs, and related closures. Coverage for your own losses differs from liability claims by others.
Share lease and franchise requirements, catering arrangements, and changes to your menu, hours, locations, or alcohol service before selecting coverage.
Your next steps
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Start Your Quote Request →
Start a conversation about your restaurant.
Tell us how you operate.
Select Other / Not sure on our quote form. Describe your restaurant and the coverage you want to discuss.
Prepare your details.
Have estimated sales and payroll, staff roles, property and equipment information, current policies, and insurance requirements ready.
Review the available terms.
Discuss coverage scope, exclusions, limits, deductibles, and proposed effective dates before arranging coverage.
Questions restaurant owners ask
Restaurant insurance FAQs.
Can a business owner’s policy cover a restaurant?
For eligible businesses, a business owner’s policy, or BOP, can combine general liability, property, and business income coverage. It does not automatically include every restaurant exposure. Discuss eligibility and any separate policies or endorsements needed.
Does equipment coverage automatically include spoiled food?
No. Review equipment breakdown and spoilage terms separately. The cause of loss, utility interruption provisions, stock values, and applicable limits can affect whether a loss is covered.
What if my restaurant serves alcohol?
Tell CPIS about alcohol sales, service arrangements, hours, and any events. Ask about liquor liability options and exclusions. Do not assume an ordinary liability policy includes the protection your operation needs.
What if employees deliver food in their own cars?
Explain all delivery arrangements, including personal vehicles and outside platforms. Ask about hired and non-owned auto liability and other relevant coverage. Neither a personal auto policy nor an app’s coverage should be assumed to address every business exposure.
What affects the cost of restaurant insurance?
Details such as your service model, location, sales, payroll, alcohol exposure, delivery operations, claims history, and selected coverages can affect pricing. Provide accurate business information for a useful quote discussion.
Does submitting the quote form activate coverage?
No. The form starts an inquiry. Coverage must be arranged and confirmed under the applicable policy terms. Include your opening, renewal, or lease deadline when describing what you need.
Further reading:
California Department of Insurance: Commercial Insurance Guide
California Department of Insurance: Commercial Insurance Guide
Let’s talk about your business
Put your restaurant’s coverage on the table.
Tell Capital Providers Insurance Services how you serve your guests and what you need next. Start online or call our team directly.
This page provides general information. Coverage, limits, exclusions, availability, and eligibility depend on the insurer and policy. A quote request does not bind or activate insurance.