Restaurant Insurance in California, Arizona, Washington & Oregon
Tailored coverage for liability, property, workers’ comp, liquor liability, food spoilage, and business interruption — so your business keeps cooking.
The Reality: Risks Are Part of the Menu
Restaurants are high-energy environments — busy kitchens, hot equipment, sharp tools, servers moving quickly, and customers everywhere. Even with great training and safety protocols, accidents happen. A single incident can create large, unexpected costs.
Kitchen Fires & Equipment Damage
Grease fires spread quickly and can cause smoke and heat damage throughout your space. Coverage helps repair or replace damaged equipment and build-back your kitchen.
Customer Injuries & Food Incidents
Slip-and-fall claims, allergic reactions, and foreign objects in food may lead to medical bills and legal fees. General Liability helps protect your business.
Employee Accidents
Cuts, burns, lifting injuries, and falls are common. Workers’ Compensation provides medical and wage benefits and is required for employees in most states.
Key Coverages (What’s Included)
General Liability
Protects against third-party bodily injury and property damage claims. Covers legal defense, settlements, and medical payments for covered incidents.
Commercial Property
Covers your building (if owned) and business personal property like kitchen equipment, furniture, and signage from covered perils such as fire, theft, and vandalism.
Workers’ Compensation
Required coverage that helps pay for employee injuries or illnesses related to work. Also protects you from certain employee injury lawsuits.
Business Interruption
Replaces lost income and helps cover ongoing expenses if you must temporarily close due to a covered loss (e.g., fire or major water damage).
Liquor Liability
If you sell or serve alcohol, this coverage helps protect your business if an intoxicated patron causes harm after consuming alcohol on your premises.
Food Spoilage & Equipment Breakdown
Helps reimburse for spoiled inventory from power outages or refrigeration breakdown. Equipment Breakdown can also help repair/replace the failed equipment.
State-by-State Guidance
California
Consider wildfire and earthquake exposures, especially in high-risk zones. Verify your lease requires specific limits and additional insured endorsements for your landlord.
- Emphasis on Property and Business Interruption
- Workers’ Comp is required for employees
- Liquor Liability for bars, bistros, and full-service restaurants
Arizona
Extreme heat and monsoon storms can cause power outages and water damage. Spoilage coverage is especially important during summer months.
- Food Spoilage & Equipment Breakdown are key
- Flooding and windstorms may require special endorsements
- Workers’ Comp required for employees
Washington
Heavy rains, windstorms, and occasional snow increase water and roof damage risks. Review business interruption limits to account for seasonal revenue swings.
- Strong Property and Business Interruption limits
- Liquor Liability common for breweries and pubs
- Workers’ Comp required for employees
Oregon
Coastal storms and inland floods can disrupt operations. Make sure equipment breakdown includes refrigeration and HVAC units.
- Property + Equipment Breakdown
- Liquor Liability for wine bars and taprooms
- Workers’ Comp required for employees
Why Choose JSSR Insurance Agency
Restaurant Expertise
We understand front-of-house, back-of-house, delivery, and catering exposures — and we place coverage accordingly.
Multi-State Convenience
One team for all locations in CA, AZ, WA, and OR. Streamlined renewals and consistent coverage.
Fast Service & COIs
Need a Certificate for your landlord or event? We deliver fast — often the same day.
Client Story
“I thought restaurant insurance was just paperwork until a kitchen fire shut us down. JSSR Insurance handled everything — repairs, lost income, and replacing damaged stock. We were back in business in two weeks.”
— Maria G., Restaurant Owner, Sacramento, CA
Frequently Asked Questions
What insurance do restaurants need?
Start with a BOP (General Liability + Property), then add Workers’ Comp, Business Interruption, Liquor Liability (if you serve alcohol), Food Spoilage, and Equipment Breakdown. We’ll tailor limits and endorsements to your lease and operations.
Is Workers’ Compensation required?
Yes. Most states, including CA, AZ, WA, and OR, require it for employees. We’ll keep you compliant and shop the best rates.
What affects my premium?
Location, square footage, annual sales, alcohol percentage, cooking protection (e.g., UL-300 hood systems), claims history, and safety training can all impact cost.
Can I get a COI today?
Often yes. We issue fast COIs for landlords, events, and vendors so you can open or renew without delays.
Do you cover food trucks, caterers, and ghost kitchens?
Yes. We place coverage for traditional restaurants, food trucks, pop-ups, caterers, bakeries, coffee shops, breweries, and ghost kitchens.
Get Your Free Restaurant Insurance Quote
Protect your livelihood with tailored coverage that fits your menu and your budget. Our team serves restaurants across California, Arizona, Washington, and Oregon.
Prefer texting? Ask about text-based quoting when you call.
