Insurance for Restaurants and Hospitality in Los Angeles
Coverage for restaurants, cafes, and bars with kitchens, staff, and guests on site every day. We cover your space, your team, your liquor service, and the income you lose if you have to close.
Restaurant coverage at a glance
- Who we insure
- Restaurants, cafes, bars, caterers, and food service businesses
- Core coverage
- Property, general liability, and workers comp
- If you serve alcohol
- Liquor liability, often required by landlords
- Common add-ons
- Food spoilage, equipment breakdown, and business income
- Quote turnaround
- Usually 1-2 days
Coverage restaurants usually carry
Kitchens, staff, and guests make restaurants one of the more involved businesses to insure. These are the policies most owners carry.
General liability
Covers guest injuries such as slips and falls, and claims from food you serve.
Workers compensation
Covers burns, cuts, and other kitchen injuries. Required once you hire.
Property and equipment
Covers your build-out, kitchen equipment, furniture, and inventory.
Liquor liability
Covers claims tied to alcohol you serve. Often required by landlords.
Food spoilage and equipment breakdown
Covers lost food and repairs when coolers or equipment fail.
Business income
Replaces lost income while you are closed for a covered loss like a kitchen fire.
What affects insurance costs for restaurants
Restaurant pricing depends on your type of service, revenue, payroll, and how much of your sales come from alcohol. A full-service restaurant with a bar pays more than a counter-service cafe.
Kitchen fire protection matters a lot. Hood suppression systems, regular hood cleaning, and fire safety inspections lower your property risk and help with pricing.
Ways to lower your premium
- Keep hood suppression systems inspected and cleaned
- Train staff on responsible alcohol service
- Use slip-resistant mats and a written cleaning schedule
- Report payroll accurately by job class
- Package coverages in a restaurant program where you qualify
What moves your rate
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Type of service
Full service, counter service, and catering price differently.
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Alcohol sales
A higher share of liquor sales raises liability costs.
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Revenue and payroll
Liability and comp are rated on these.
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Kitchen fire protection
Suppression systems and cleaning lower property rates.
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Claims history
Slip-and-fall and injury claims weigh heavily.
Restaurant insurance questions
Don't see yours? Call (310) 751-5979 and ask.
Do I need liquor liability if I only serve beer and wine?
Usually, yes. Liquor liability covers claims tied to any alcohol you serve, and many landlords require it in the lease.
Does insurance cover food spoilage?
It can. Food spoilage coverage pays for lost inventory when a cooler fails or the power goes out, subject to the policy terms.
Is a kitchen fire covered?
Yes, under your property policy. Business income coverage also replaces lost income while you are closed for repairs.
Do part-time staff count for workers comp?
Yes. California requires coverage for all employees, including part-time and seasonal staff.
Find out what you should be paying
Tell us about your restaurant. We compare carriers and come back with real quotes, usually within 1-2 days.