Common Types of Restaurant Insurance in California There are a number of different types of insurance that you may purchase for your restaurant or bar. Here are some of the most common:
Worker’s Compensation Insurance: this is insurance that is required by law. It protects businesses when an employee is injured at work or due to work-related activity.
Property Coverage: covers any damage to the building, equipment, and furniture, as well as improvements in some policies
Income Coverage: reimburses business owners for loss of income due to any interruptions or shutdowns
Spoilage Coverage: covers losses for food & inventory that spoil during equipment breakdown
Crime Coverage: protects against damages from employee theft or break-ins
General Liability: covers against any lawsuits that may arise from food illness, slip and falls or other injuries that occur on your premises.
Commercial Vehicle Insurance: if you have any delivery vans or business vans that transport food, then you will need to purchase insurance for those vehicles.