Food and beverage insurance in California. Built around how you serve.
Restaurants, cafés, kitchens, caterers, and mobile vendors each work differently. Tell us where food is prepared and served, how it reaches customers, and who helps deliver it. We’ll review your operation and discuss coverage options we can place.
What food businesses call us about
A lease, event venue, or delivery partner requires insurance before opening or serving.
A new menu, location, food truck, or catering service changes how and where you operate.
Equipment, inventory, spoilage, or a temporary shutdown could disrupt service.
Coverage availability is subject to eligibility, underwriting, policy terms, exclusions, limits, and applicable law. We review what you need and what we can place; not every request can be bound. Certificates of insurance are issued only from an in-force policy.
A coverage review shaped by your operation.
We can discuss general liability, property, equipment breakdown, business income, product liability, workers’ compensation, and commercial auto where appropriate. Liquor liability, spoilage, food contamination, and off-premises operations may need separate attention depending on eligibility and policy terms.
- Bring current policies, lease, and venue requirements.
- Review your locations, services, staff, vehicles, and available options.
- Leave with a clear next step.
Prepare for a productive conversation
Business locations, kitchen and dining details, annual sales, payroll, menu and alcohol service information, delivery or catering activities, equipment values, vehicles, current policies, and loss history.
Call (408) 876-7107
Can one policy cover several ways we serve customers?
Possibly. The answer depends on each location and activity, including delivery, events, mobile service, and alcohol. We’ll review your full operation and explain which activities can be included and which may need separate coverage.
Explore your food business
Restaurants
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Cafes & Coffee Shops
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Bakeries & Dessert Shops
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Caterers & Event Food Service
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Food Trucks & Mobile Vendors
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Delivery-Only & Shared Kitchens
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Let’s review your operation before the next change.
Start a conversation about your kitchen, customers, staff, and service model.