🍽️ Restaurants Insurance

Restaurant insurance
that covers every
course.

From kitchen fires to liquor liability to food-borne illness — restaurants face a unique mix of risks. We build comprehensive restaurant insurance packages that cover your staff, your space, and your customers.

✓ General Liability✓ Liquor Liability✓ Workers Comp✓ Property & Equipment
Carriers We Work With
HartfordTravelersCNAEmployersMarkel+ 15 more
✦ Free & No Obligation

Get Your Restaurants Quote

Fast quotes · Licensed agents · Real savings

What coverage are you looking for?
Tell us about your business
Where should we send your quotes?
🔒Your info is secure & never sold. A licensed agent will contact you within 1 business hour.
✅

You're all set, there!

A licensed CoverGuard agent will reach out within 1 business hour with your restaurants insurance quotes.

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Why CoverGuard
Why restaurants choose CoverGuard
We build restaurant-specific packages — liquor liability, food contamination, and equipment breakdown included.
🍽️

One kitchen fire. One food poisoning claim. One fight at the bar.

Restaurant losses are fast and devastating. A kitchen fire can shut you down for months. A food contamination claim can cost six figures. Liquor liability alone requires its own policy in California. We cover all of it.

🍽️
60%
Restaurants that close within 1 year of a major loss
⚡

Same-Day Response

Every quote request gets a personal response within 1 business hour from a licensed California agent.

$50K
Average commercial kitchen fire claim
🏆

20+ Carriers

We compare 20+ top carriers to find you the right coverage at the best rate — not what pays us the most commission.

Coverage Options
What you need.
What we provide.
Coverage built specifically for restaurants — not a generic business policy that misses your exposures.
🍽️
General Liability
Covers slip-and-fall, food-borne illness, and premises liability.
  • Slip & fall on premises
  • Food-borne illness claims
  • Third-party injury
  • Advertising injury
Core
🍷
Liquor Liability
Required if you serve alcohol. Covers DUI accidents and over-service claims.
  • Over-service liability
  • DUI accident claims
  • ABC license protection
  • Bar fight liability
Required if ABC Licensed
🔥
Commercial Property
Covers your building, kitchen equipment, and business contents.
  • Kitchen & dining room
  • Equipment & fixtures
  • Fire & smoke damage
  • Theft & vandalism
Core
👷
Workers Compensation
Required by CA law. Kitchen staff face burns, cuts, and slips daily.
  • Kitchen burns & cuts
  • Slip & fall injuries
  • Medical & lost wages
  • CA compliance
Required
❄️
Equipment Breakdown
Covers refrigeration, HVAC, and kitchen equipment failure.
  • Refrigeration breakdown
  • Walk-in cooler failures
  • Kitchen equipment
  • Spoiled inventory coverage
Strongly Advised
🦠
Food Contamination
Covers losses from a food contamination or food-borne illness event.
  • Food recall costs
  • Illness outbreak response
  • Business interruption
  • Customer medical claims
Strongly Advised
Common Questions
Everything you need
to know.
Is liquor liability separate from my GL policy?+
Yes — liquor liability is typically a separate policy or endorsement. Standard GL often excludes liquor-related claims. Any restaurant with an ABC license must have it.
What does equipment breakdown cover?+
It covers mechanical or electrical failure of your kitchen equipment — like a walk-in cooler compressor dying or an oven shorting out. Property insurance only covers external events like fire.
How much is restaurant insurance in California?+
A typical small-to-mid restaurant pays $5,000–$15,000/year for a comprehensive package including GL, liquor liability, property, and workers comp.
Does my policy cover if I have to close for a health inspection?+
Business interruption coverage can cover income loss during forced closures. Coverage and triggers vary by policy — we make sure yours is written correctly.

Get your restaurant fully covered today.

Liquor liability, equipment breakdown, food contamination — all covered.

Get a Free Quote → 📞 (562) 758-1200
🍽️ Get My Restaurants Quote