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Food and Beverage Business Insurance in Sacramento, CA

Few experiences are more fulfilling than operating your own food or beverage service business—like a sandwich shop, coffee shop, or brewery—and watching your patrons enjoying the handiwork from your kitchen. Often times, the food and drink you create, especially in restaurants that feature regional or ethnic cuisine, are a representation of your heritage. It’s rewarding to share your culture with your community, and food and drink is a perfect way to do so.

However, the food service industry isn’t without its share of headaches. Sometimes unexpected events can lead to significant financial risks, many of which are unmanageable without food or business insurance coverage. You may be wondering “If a customer falls on a wet floor and files a lawsuit against me, will I be able to pay legal fees?” Or maybe you want to know if you’re covered should a refrigeration unit fail and cause food spoilage, depleting your inventory. Our agents are here to help you answer those questions, and make sure that your insurance policy protects you from all risks and exposures.

Food and Beverage Business Insurance Policy Features

At our Insurance121 Insurance Solutions, we write coverages for the following types of food and beverage establishments.

  • Restaurants
  • Sandwich shops and delis
  • Pizza shops
  • Caterers
  • Food trucks
  • Bakeries
  • Coffee shops
  • Fine dining restaurants
  • Ethnic restaurants
  • Bars and nightclubs
  • Brewpubs
  • Breweries
  • Wineries
  • Cideries
  • Distilleries
  • Grocery stores
  • Convenience stores

Contact an agent today with any questions, or request a quote to start protecting your food or beverage business.

Our Location


9381 E Stockton Blvd #204
Elk Grove, CA 95624
Main office: 916-236-3351
Fax: 916-405-4205

Our Providers


I had been using the same general liability insurance for years. I had Insurance 121 review my coverage--it was discovered that I was completely underinsured! To my surprise, Anitra's personalized designed policy gave my business greater coverage at a very reasonable rate. Thanks so much!

Theresa G.
Anitra and Denise have always been there when I have needed them to explain changes in my policy or to fulfill any request I may have. I trust them with all my business and personal insurance. If you're like me and don't want to worry about your insurance, please call Insurance121, you won't be disappointed.

Kari B.
Fantastic service, Anitra and her staff really do give you the 1-2-1 experience. Everything is handled in a personal and professional manner. Great rates and the best service!!!

Andrew W.
I am very happy with the services I have received from the people at Insurance121 over the years. I really do feel as though they are working tirelessly to look out for our interests. It's great to work with such dedicated professionals!

Don R.
I have followed this agent through 4 different companies over the 25 years I've known her. I can buy insurance anywhere, but seldom get the personal service that you get from 121 . They feel like part of our family and are always right there in the thick of it for us.

Stephen S.
First rate, professional, experienced, knowledgeable. Anitra and her team are the best in the business in the greater Sacramento area.

Tammy M.
Anitra has provided incredible service to my company. Her customer service has been incredible. I recently had some issues with a client's insurance requirements; Anitra and Denise not only assisted me with understanding the insurance terminology, but spoke directly with our client to resolve some contractual issues. This team has always been responsive and great to work with. Thank you.

Joan D.
Such a great team, Anitra is really hands on and knows her stuff! She provides a great service to businesses, large and small. I highly recommend her and the Insurance121 team.

Jedidah L.