Workers' Comp, General Liability, liquor liability, and commercial property — all placed by specialists who understand the California food service industry. Competitive rates for restaurants, bars, food trucks, and catering businesses, even with prior losses. Free quote in 15 minutes.
Whether you run a ghost kitchen or a 200-seat full-service restaurant, we have insurance markets built for your specific risk — including hard-to-place accounts with prior losses.
California restaurants have some of the highest WC claim rates of any industry — kitchen burns, slips, and repetitive strain add up fast. We place WC for restaurants with high turnover, seasonal staff, and prior claims.
A slip-and-fall in your dining room or a food contamination claim can cost hundreds of thousands of dollars. GL protects against third-party bodily injury, property damage, and completed operations claims.
Your fryers, walk-in coolers, POS systems, and build-out represent serious capital. Commercial property covers your building, equipment, inventory, and tenant improvements from fire, theft, and equipment failure.
If a kitchen fire or covered loss shuts you down for weeks, business income coverage replaces lost revenue and continues paying fixed expenses — so you can reopen without going broke.
Any California establishment with an ABC license — full liquor, beer and wine, or a catering permit — needs liquor liability. One dram shop claim from an intoxicated patron can exceed $1 million.
Covers your delivery vehicles, catering vans, and food trucks on the road. We write commercial auto for single-vehicle operations and multi-unit delivery fleets across California.
Yes — for every single employee, whether full-time, part-time, or seasonal. California's food service industry has one of the highest injury rates of any sector: kitchen cuts, burns, slips, and back injuries are constant exposures. Operating without coverage puts your liquor license, your business license, and your personal assets at risk.
Yes. Any California establishment holding an ABC license — even a Type 41 beer and wine only — should carry Liquor Liability coverage. If a patron becomes intoxicated at your establishment and causes injury, you can be held liable under California's dram shop laws. The cost of a single incident can easily exceed your GL policy limits.
Often, yes. Eligible California restaurants can use a Business Owners Policy (BOP) that bundles General Liability, commercial property, and business income into one streamlined, affordable policy. However, bars, high-volume restaurants, and locations with prior losses may need a commercial package instead — which we also place. We'll find the structure that saves you the most.
Prior losses are extremely common in the restaurant industry — and they don't have to kill your coverage options. CISA works directly with surplus lines markets and specialty restaurant insurance programs that are built for accounts with prior claims. We present your risk in the best possible light to get you competitive rates, not just the carrier of last resort.
CISA is licensed to place commercial insurance across all of California. Whether you're in a major metro or a smaller market, we have carriers and programs built for your area.
Complete the form below. One dedicated specialist — not a call center, not a team of sales reps — will personally reach out with your options.