Restaurant Insurance in California

California has a dynamic culinary culture. Yet, with over 90,000 restaurants and eating establishments in the Golden State, the industry is as competitive as it is thriving. Amidst this bustling scene, restaurant owners face a smorgasbord of risks from property damage, liability issues, employee safety, and unforeseen disruptions.

California’s Restaurant Industry

California's restaurant industry generates approximately $97 billion in estimated sales annually, showcasing its vast scale and economic impact. Yet, it's also an industry that sees significant claims, with the average cost of a slip and fall claim being around $20,000 and liability claims reaching up to $50,000 or more. These figures underscore the critical need for robust insurance coverage that can safeguard your establishment from such financial setbacks.

Tailored Coverage

Our suite of insurance products is thoughtfully designed to address the multifaceted nature of restaurant operations in California. Whether you're navigating the challenges of a start-up food truck or managing a well-established fine dining venue, our policies are calibrated to provide the assurance you need to operate with confidence.

Property Insurance - Covering the physical assets of your restaurant, our property insurance policies are a bulwark against common perils like fire, theft, or vandalism. Given the state's propensity for natural events, we also delve into additional coverage options for scenarios unique to California, such as earthquakes and wildfires. The average pricing for property insurance can vary, but we ensure competitive rates starting as low as $1,000 annually, depending on the value of the insured property and specific coverage requirements.

General Liability Insurance - As the backbone of your risk management strategy, general liability insurance is indispensable. It protects against claims of bodily injury, property damage, and more. This coverage is a must-have in today's litigious environment, with policies averaging between $500 to $6,000 per year, tailored to your establishment's size and exposure.

Workers' Compensation - California law mandates that any business with employees must carry workers' compensation insurance. This safeguards both you and your staff in the event of on-the-job injuries or illnesses. Our policies are designed to comply with state regulations while providing fair and affordable coverage, with average costs typically ranging from $1.20 per $100 of payroll, depending on your restaurant's risk classification.

Liquor Liability Insurance - For establishments that serve alcohol, liquor liability insurance is essential. It protects against the legal and financial consequences of an incident involving overserved patrons. Given the stringent laws in California, we offer customized plans that align with your service model, with premiums averaging around $2,500 per year, but can fluctuate based on sales and service practices.

Who needs Restaurant Insurance?

  • Fine Dining Restaurants
  • Casual Dining Restaurants
  • Fast Food Establishments
  • Cafés and Coffee Shops
  • Bistros and Brasseries
  • Food Trucks and Mobile Food Vendors
  • Bakeries and Patisseries
  • Bars and Pubs
  • Catering Services
  • Delis and Sandwich Shops

The E360 Edge in Restaurant Insurance

Loss of Business Insurance - The unexpected closure can strike a severe blow to any restaurant's revenue. In California, where wildfires or power outages can disrupt business operations without warning, Loss of Business Insurance becomes not just an option, but a necessity. Policies are typically calculated based on a percentage of the business's projected income, with e360 Insurance providing competitive quotes to ensure your restaurant can weather any storm.

Food Contamination Insurance - An often-overlooked aspect, Food Contamination Insurance is critical, especially in a state known for its strict health regulations. If an unexpected power loss leads to spoiled ingredients, this coverage can be the difference between a minor hiccup and a significant financial loss. Premiums for this insurance vary, but with e360 Insurance, you can find policies that are both affordable and comprehensive.

Automobile Liability Insurance - For California restaurants that offer delivery, this coverage is crucial. It protects against the risks associated with company vehicles on the road. The cost can differ based on usage and vehicle type, but e360 Insurance ensures your mobile service is protected with optimal rates.

Specific Perils Insurance - This policy is tailored to cover those extraordinary events that fall outside the realm of general liability or property insurance, such as earthquakes or floods—events all too familiar to Californians. Pricing for this specialized insurance is variable, reflecting the diverse geography and associated risks of the state.

Customized Solutions

Our commitment at E360 Insurance is to recognize the uniqueness of your restaurant. We delve deep into the specifics of your business, factoring in everything from your location and size to the cuisine you serve and the clientele you attract. This thorough understanding allows us to offer not just insurance, but a partnership that supports your business’s growth and success.

Connect With Us Today

Don't let the uncertainty of tomorrow cast a shadow over the restaurant you’ve built with passion and hard work. With e360 Insurance, you're choosing a partner that stands for reliability, affordability, and expertise in restaurant insurance tailored for California. Call +18888626750 or Request a Quote here.

Contact Us
Tel: 888-862-6750
Fax: 888-256-0809

e360 Insurance Services


Corporate Office - Los Angeles
16000 Ventura Blvd., Suite 400,
Encino, CA 91436

Oregon Office
8215 SW Tualatin-Sherwood Rd., Suite 200
Tualatin, OR 979062

Texas Office
1716 Briarcrest Dr., 3rd Fl
Bryan, TX 77802

At E360 Insurance Services, we're committed to exceeding your expectations with personalized service. Our focus is on delivering optimal insurance solutions tailored to your unique requirements, all at the most cheap prices.


LIC #0G66607