Insurance for Restaurants, Bars and Food Service



As a restaurateur, you know there are many ingredients needed to run a successful business. After all, restaurant ownership is challenging enough without having to worry about food spoilage, fire damage, equipment breaking down, and employee or customer onsite injuries.

Restaurant insurance helps protect you from the risks you face as a restaurant owner, so you can put your focus where it belongs: your food, your customers, and providing a great experience.

What happens if a customer slips and falls in your place of business? Or your computer system goes out on the busiest day of the year? Or you find your bookkeeper was pocketing some of your hard-earned revenue?

Adequate restaurant insurance can help reduce exposing your restaurant to unneeded risk and ensures your restaurant is ready to do business with all-in-one property insurance, liability insurance, liquor liability insurance, workers compensation, vehicle insurance, and business interruption insurance.

Our first priority is helping you take care of yourself, your business, your employees, your community and your family.  We know the challenges of small businesses - after all, we're a small business too. We want to learn more about your personal situation, identify your goals and challenges, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Who needs restaurant insurance?

We offer insurance to cover many food service businesses, including - 

  • Cafes
  • Pizzeria
  • Taqueria
  • Bar and Nightclub
  • Cafeteria
  • Food Trucks
  • Food Delivery
  • Fast Food
  • Fine Dining Restaurant
  • Caterer
  • Ethnic Restaurant
  • Diner
  • Sandwich Shop and Deli
  • Coffee Shop

Many restaurants require specialized coverages, and we can help you navigate the issues facing the type of business you own or wish to create.

Our first priority is helping you take care of yourself and your business. We want to learn more about your personal situation, identify your goals and your challenges, and understand your tolerance for risk. We know the challenges of having a small business. After all, we're a small business too! Long-term relationships that encourage open and honest communication have been the main ingredient of my recipe for success.

What’s covered in a restaurant insurance policy?

There are typically several important considerations when making a solid restaurant insurance plan. These coverages include:

  • Property Insurance
  • Loss of Income Insurance
  • Workers' Compensation 
  • Business Crime Insurance 
  • General Liability
  • Liquor Liability
  • Cyber Insurance
  • Employee Dishonesty

Ask us about Cyber insurance. Restaurants take credit cards, and this puts a restaurant owner at risk of a Cyber event. Also included in a typical restaurant policy might be coverage for outdoor signs and glass coverage.

Liquor Liability Insurance

Liquor Liability Insurance

If your business makes, sells, distributes or serves liquor, wine or beer you'll want to protect yourself with Liquor Liability insurance. This protection can be purchased independently, or can be attached to a general package insurance policy covering your business.

Examples of Liquor Liability claims might be - 

A customer leaves your establishment after several glasses of wine, and is involved in an accident causing damage and/or injury. You are brought into the suit filed against them.

An intoxicated patron engages in a fight with another patron, causing injury.

A customer causes damage to another customer's property, maybe spills red wine on an expensive jacket or handbag.

Worried about the cost?

We offer multiple choices in programs to cover restaurants just like yours. And for workers' compensation? Several of our carriers have low, low rates for restaurants.

We have the comprehensive programs you need right here, including -

  • Monthly payment options 
  • One-to-one service and care
  • Claims responsiveness 
  • Tailored coverage 
  • Knowledgeable agents 

Why we're different - 

You may think you want the cheapest insurance you can find, but low cost isn't everything. After all, it's said there's no such thing as a free lunch.

While many insurance products are similar in price and function, insurance agents and providers are very different when it comes to structuring a policy to cover you. Your business is unique. Why would you want a one-size-fits-all insurance policy. Many of our insurance carriers offer SPECIALIZED PRODUCTS WITH UNIQUE COVERAGES for various types of businesses.

We’re your neighbors. We protect businesses and people we know and care about. And businesses and people YOU know and care about. And that means we look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let us at Elk Grove's LOCAL Insurance121 Insurance Solutions help you protect THE BUSINESS YOU'VE PUT YOUR SLEEPLESS NIGHTS, YOUR MONEY, YOUR EVERYTHING, INTO BUILDING for yourself, your employees, your community and your family. We'll help you make wise choices to protect what you value most.

Where we work - 

At Insurance121 Insurance Solutions, we work to protect those of you in the food service business in Elk Grove, Galt, and surrounding areas - to include Wilton, Sloughhouse, Rancho Murieta, Acampo, Walnut Grove, Hood, Sacramento, Lodi, Stockton - and throughout California. In Elk Grove, we are members of Elk Grove Chamber of Commerce, Rotary Club of Laguna Sunrise, Rotary Club of Elk Grove and BNI (Business Networking International) Elk Grove Harvesters Chapter.

We're located in Elk Grove, CA and are licensed in California (DOI# 0K01870).

Have a Question?

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