Posted by Insurance City on
Running a restaurant or bar in the Central Valley means juggling food, staff, customers, and often alcohol — each with its own risk. Here’s the coverage checklist.
The essentials
- General liability — slips, falls, and customer-injury claims.
- Liquor liability — required by many leases if you serve alcohol; GL won’t cover alcohol-related claims.
- Commercial property — your build-out, kitchen equipment, and contents.
- Business interruption — income if a fire or covered loss closes you.
- Workers’ comp — required in California for your staff.
Don’t forget
- Spoilage / equipment breakdown when the walk-in goes down
- Hired & non-owned auto if you deliver
- Employment practices liability as your team grows
Bundle it smartly
Much of this can combine into a tailored package. We’ll ask about your concept, hours, and alcohol sales, then shop it across carriers — no broker fees on standard policies.
Get your restaurant covered
Insurance City is a local independent brokerage in Stockton, bilingual (English / Español). Call (209) 670-1556.