Restaurant Insurance in Los Angeles, CA
Proudly Serving Los Angeles, Ventura, Orange County, San Bernardino, San Diego
Also serving California, Arizona, Washington, Oregon, Nevada, Utah
Restaurant owners are exposed to risks specific to the food industry. Busy kitchen environments, hosting customers and preparing food for the public make getting adequate insurance critical to the financial health of your business.
Contact the agents at Germani Insurance Services to get the restaurant insurance you need. Located in Los Angeles, California, our agency serves cities in Arizona, Washington, Oregon, Nevada, California and Utah.
What Does Restaurant Insurance Cover?
Your restaurant insurance coverage may include several policies designed to help reduce the financial risks of owning a restaurant, including:
General liability insurance. This policy may help pay for damages if your restaurant is found to be responsible for third-party injuries or property damage. Liability coverage can help pay related medical expenses or pay legal costs.
Commercial property insurance. This coverage helps replace or repair your restaurant and other onsite structures after a covered event.
Workers’ compensation insurance. After a work-related injury, workers’ compensation insurance helps your employees pay medical bills and provides limited wage replacement until they return to work.
Business interruption insurance. After a covered event, you may need to close your restaurant temporarily to allow for repairs. This coverage provides financial support so you can continue to pay necessary bills such as taxes and wages until you can reopen.
Your agent may recommend additional policies to help protect your restaurant, including:
Commercial umbrella insurance. This policy helps cover costs that exceed the restaurant’s liability limits.
Commercial auto insurance. This policy provides coverage similar to personal auto insurance and may include coverage that would help pay to replace or repair your company’s owned vehicles after a covered incident.
Cyber liability insurance. This policy helps cover claims related to security breaches.
Food spoilage or contamination insurance. This policy helps pay to replace food that’s ruined due to equipment breakdown or a power outage. It may also help cover costs related to food poisoning incidents.
Liquor liability insurance. This policy provides coverage for restaurants that serve liquor to customers if a guest is in an alcohol-related accident after purchasing drinks at the restaurant.
Professional liability insurance. This policy provides coverage for businesses and professionals if a client or customer alleges that they were harmed due to negligence, copyright infringement or inaccurate advice.
Equipment breakdown insurance. This policy helps pay for damages to a company’s equipment caused by motor burnout, operator error, electrical shorts, power surges and mechanical breakdowns.
Cyber liability insurance. This policy helps cover a restaurant’s liability after a data breach and may help pay to notify customers about the breach, recover compromised data, repair damaged systems and restore the personal identities of affected customers.
Why Is Liability Insurance Important for Restaurants?
Restaurant liability insurance policies can help minimize the financial consequences of everyday risks. Here are some policies your agent may recommend:
Damage to premises rented to you. Many restaurants operate in leased buildings, and damage caused to the structure could trigger a lawsuit. Liability insurance for restaurants includes coverage called damage to premises rented to you. This coverage may have a sublimit. It helps pay for accidental damage to a rented building. Your agent can help you determine whether this coverage’s sublimit is adequate for your rented space.
Garage keepers liability insurance. Many restaurants provide valet parking, which exposes the business to financial risks. Garage keepers liability coverage helps pay to repair or replace a customer’s vehicle if it’s accidentally damaged while in the care of a restaurant employee.
Employee benefits liability insurance. Even small restaurants may have several employees, and if you provide benefits to workers, an employee benefits liability insurance policy is essential. If you or one of your employees makes a mistake while handling employee benefits, this policy helps pay legal costs.
Talk with your agent about how to choose policies most likely to benefit your restaurant.
Get the Restaurant Insurance You Need
Contact Germani Insurance Services today to learn about creating a restaurant insurance policy that includes the coverage you need to protect your restaurant financially.
Restaurant Insurance in Los Angeles, CA
Restaurant Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a request and we will be in contact with you soon.
Restaurant Insurance Quote
Proudly Serving: All cities in California, Arizona, Washington, Oregon, Nevada, and Utah
Number of employee(s) *
submissions or payments made via this website do not constitute a
binding agreement to your policy or coverages. Changes and
payments to policies are not effective or binding until you, or any
party involved, receive official notice from either your insurance agent,
or your insurance company. If you have any questions, please feel free to
Per the terms of our
we will not resell your information to any third-party.