Once your coverage is bound, we can issue certificates of insurance—typically same business day after policy is bound. If your landlord needs Additional Insured status or specific wording, just send us their requirements and we'll handle it.

Get a quote in under 5 minutes online. For standard restaurants, we can often bind coverage the same day. Complex operations (multiple locations, extensive catering, high alcohol sales) may take 24-48 hours for underwriting review.

A Business Owners Policy bundles General Liability (customer injuries, food poisoning claims, property damage) with Property Insurance (building, equipment, inventory). It covers most day-to-day risks like slip-and-falls, kitchen fires, equipment damage, and even lost income from covered perils. Think of it as your baseline protection.

Yes. Food poisoning and foodborne illness claims fall under Products-Completed Operations coverage in your General Liability. This is automatically included in restaurant BOPs. We also help you implement food safety protocols to prevent claims in the first place.

Yes—it's California law if you have even one employee. Restaurant workers face higher injury risks (burns, cuts, slips, lifting injuries) with average claims of $3,000-$15,000. Going without it means personal liability for medical bills plus hefty state penalties. The real question isn't whether you need it, but how to get the best rate.

Yes. Any alcohol service requires liquor liability—even just beer and wine. One overserved customer causing an accident can result in million-dollar lawsuits. The good news: beer and wine coverage costs less than full bar coverage. We insure restaurants with up to 65% alcohol sales.

If you use your own employees for delivery, you need Commercial Auto and Hired/Non-Owned Auto coverage. For third-party delivery apps (DoorDash, Uber Eats), you're typically covered since they're independent contractors with their own insurance. However, check your agreements—some apps push liability back to you.

Main factors: Your revenue and payroll (bigger operation = higher premium), claims history (one claim can increase rates 20-40%), safety measures (sprinkler systems, security cameras, slip-resistant floors save money), and alcohol percentage (over 30% increases rates). New restaurants often get better rates than those with claims history.

Red flags that kill deals: Over 30% cash payroll (suggests under-the-table payments), previous coverage cancellation for non-payment, multiple recent claims (especially liquor-related), no proper licenses/permits, or certain high-risk operations (nightclub atmosphere, delivery with personal vehicles, extensive catering).

Smart operators add: Cyber Liability (POS breaches average $50K), Employment Practices (wrongful termination, harassment claims), Business Income with Extra Expense (covers lost revenue during forced closures), and Equipment Breakdown (commercial kitchen equipment is expensive). These aren't required but can save your business from one bad incident.