Restaurant Business Insurance (BOP)
Protect your kitchen, dining room, and cash flow with the right mix of coverage: General Liability, Business Property, Business Income, Liquor Liability, Spoilage & Equipment Breakdown, Delivery (HNOA), Workers’ Comp, and Cyber. We issue fast COIs with the wording landlords and cities require.
General Liability
Covers third‑party injuries and property damage (slip‑and‑fall, customer injuries).
How It WorksBOP (Property + Income)
Bundle GL with business property and business income for your premises.
Learn MoreLiquor Liability
Required when serving alcohol; often requested by landlords and venues.
Liquor DetailsSpoilage & Breakdown
Covers food spoilage and equipment breakdown (where available).
Add‑OnsWorkers’ Comp
Protects your team and meets state requirements.
Learn MoreDelivery & HNOA
Covers employees using personal/rented cars for deliveries.
See DetailsWhat’s in a Restaurant Business Policy?
- General Liability: Premises/operations and products/completed operations (e.g., slip‑and‑fall, foodborne illness—subject to policy terms).
- Business Owners Policy (BOP): GL + Business Property (kitchen equipment, furniture, POS) + Business Income after a covered loss.
- Liquor Liability: For establishments serving alcohol; often contractually required.
- Commercial Auto: For company‑owned vehicles.
- Hired & Non‑Owned Auto (HNOA): Protects the business if employees use personal/rented cars for deliveries or errands.
- Workers’ Compensation: Required with employees; covers medical/wage benefits for work injuries.
- Cyber Liability: POS and customer data protection; helps with breach costs and notifications.
- Umbrella/Excess: Extra liability limits to meet landlord/venue requirements.
Tip: Many landlords and cities require Additional Insured, Waiver of Subrogation, and Primary & Non‑Contributory wording on COIs. We include the right endorsements so inspections and permits go smoothly.
Common Restaurant Risks We Cover
- Customer slip‑and‑fall or burns
- Grease fire and smoke damage
- Food spoilage from power outage or breakdown (endorsements apply)
- Theft or vandalism (including outdoor seating & signage)
- Employee injuries in kitchen or FOH
Ask about Utility Services (direct/indirect) and Off‑Premises Power Failure for broader spoilage/business income protection.
Liquor Liability
- Often required by landlords, venues, and events
- Supports service training programs (e.g., responsible alcohol service)
- Coordinate with BOP and Umbrella limits
We’ll confirm contract wording and issue COIs quickly.
Delivery & HNOA
- Employee deliveries: Add Hired & Non‑Owned Auto
- Platform delivery: Review contracts to understand your obligations
- Driver safety: MVR checks and guidelines can improve pricing
If you own delivery vehicles, we’ll set up Commercial Auto with proper limits.
Popular Add‑Ons
- Food Spoilage & Equipment Breakdown
- Utility Services (direct/indirect) & Off‑Premises Power Failure
- Ordinance or Law (code upgrades after a covered loss)
- Employee Dishonesty/Crime
- Outdoor Signs & Tenant Improvements
- Cyber (PCI & breach response)
- EPLI (employment practices)
Ways to Save
- Bundle BOP + Workers’ Comp + Umbrella
- Maintain fire suppression, hood/duct cleaning, and grease trap service
- Responsible alcohol service training
- Security: CCTV, alarms, lighting for patios/outdoor dining
- Delivery driver screening and safety program
- Choose deductibles you can comfortably carry
Who Is This For?
- Quick service & fast casual
- Full‑service dining & fine dining
- Cafés, bakeries, and dessert shops
- Caterers & ghost kitchens
- Bars & restaurants with alcohol service
From single‑location cafés to multi‑unit groups, we tailor coverage to your menu, footprint, and contracts.
Contract‑Ready COIs
- Additional Insured (landlords, venues, municipalities)
- Primary & Non‑Contributory wording
- Waiver of Subrogation
- Per‑location aggregate (where available)
- Liquor Liability & Umbrella on the certificate
We issue fast certificates so you can pass inspections, open on time, and book events.
Why Choose JSSR Insurance Agency
Hospitality Expertise
Menus, hood/duct, liquor, and delivery nuances
Fast & Friendly
Direct access to an agent—no call center
Competitive Options
Multiple carriers, flexible billing, growth‑ready limits
Service Area
We insure restaurants across California (San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Ripon, Mountain House, Modesto, San Jose, Fremont, Santa Clara County, Sacramento, Fresno, Los Angeles, San Diego) and nearby states as needed.
Frequently Asked Questions
GL vs. BOP—what’s the difference?
GL covers third‑party injury/property damage. A BOP bundles GL with Business Property and Business Income for your location.
Is spoilage covered if the power goes out?
Not automatically. Ask for Food Spoilage and, if needed, Off‑Premises Power Failure or Utility Services endorsements.
Do I need Liquor Liability?
If you serve alcohol, you typically need a separate Liquor Liability policy or endorsement. Many landlords require it.
We deliver—whose insurance applies?
If employees use their own cars, add HNOA. If you own delivery vehicles, get Commercial Auto. Platform contracts can still impose requirements—bring them to us.
Can you add Additional Insured and Waiver of Subrogation?
Yes. We issue COIs with AI/waiver and Primary & Non‑Contributory wording to satisfy landlords, venues, and cities.
Ready for a Fast, Competitive Quote?
Tell us about your menu, seating, alcohol service, and delivery. We’ll compare carriers and send your COI fast.
Call (209) 701‑6900 Book a Time
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JSSR Insurance Agency — Our Knowledge, Your Success.
Disclaimer: This page provides general information and is not a guarantee of coverage. Policy terms and availability vary by carrier and state.
