Restaurant & Hospitality Insurance
Comprehensive coverage designed specifically for restaurants, bars, cafes, and hospitality businesses across California
What is Restaurant & Hospitality Insurance?
Restaurant and hospitality insurance provides comprehensive protection for food service establishments, bars, cafes, and other hospitality businesses. This specialized coverage addresses the unique risks faced by the food and beverage industry, including foodborne illness claims, liquor liability, equipment breakdown, and employee injuries.
Whether you operate a fine dining restaurant, casual eatery, bar, cafe, or catering business, having the right insurance coverage is essential to protect your business from the financial impact of accidents, injuries, property damage, and liability claims that can occur in the fast-paced hospitality environment.
Comprehensive Coverage for Your Restaurant
General Liability
Protection against customer slip-and-falls, foodborne illness claims, and third-party property damage at your establishment.
Property Insurance
Coverage for your building, kitchen equipment, furniture, inventory, and other business property against fire, theft, and damage.
Workers Compensation
Required coverage for employee injuries, including kitchen accidents, burns, cuts, and slip-and-falls in the workplace.
Liquor Liability
Essential coverage for bars and restaurants serving alcohol, protecting against claims from over-serving or serving minors.
Equipment Breakdown
Protection for costly kitchen equipment like ovens, refrigerators, freezers, and HVAC systems against mechanical breakdowns.
Business Interruption
Coverage for lost income and ongoing expenses if your restaurant must close temporarily due to covered property damage.
Why Choose BLIS
Hospitality Industry Expertise
We understand the unique challenges of the restaurant and hospitality industry, from food safety to liquor liability.
Customized Coverage
Tailored policies that address your specific needs, whether you're a food truck, cafe, or full-service restaurant.
Fast Quote Process
Get competitive quotes quickly so you can focus on running your business and serving your customers.
Claims Support
Dedicated support when you need it most, helping you navigate the claims process efficiently.
Common Restaurant Insurance Claims
Customer Slip and Fall
A customer slips on a wet floor in your restaurant and suffers injuries. General liability covers medical expenses and legal defense.
Foodborne Illness
Multiple customers claim food poisoning from your establishment. Coverage protects against medical claims and potential lawsuits.
Kitchen Fire
A grease fire damages your kitchen equipment and forces temporary closure. Property and business interruption insurance cover losses.
Employee Injury
A kitchen worker suffers burns or cuts while preparing food. Workers compensation covers medical treatment and lost wages.
Liquor Liability Claim
An intoxicated patron causes an accident after leaving your bar. Liquor liability insurance protects your business from claims.
Equipment Breakdown
Your walk-in freezer fails, spoiling thousands of dollars in inventory. Equipment breakdown coverage pays for repairs and lost food.
Ready to Protect Your Restaurant?
Get a customized insurance quote for your restaurant or hospitality business today
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