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🌴 California · Restaurant & Bar Insurance

Restaurant & Bar Insurance
in California

Liquor Liability · General Liability · Property · Workers' Comp — licensed California specialists with 20+ years of commercial insurance experience.

📍 Licensed in CA · TX · FL · AZ · GA · WA · DC

Free California Quote

We respond within one business hour.

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SRP Cover Insurance Services — CA License #6012103

Licensed in California
20+ Years Experience
Independent — 6 Carriers Shopped
Liquor Liability Specialists
Same-Day Quotes
🏛️ Licensed in California as SRP Cover Insurance Services — License #6012103

Protecting California Restaurant & Bar Owners for 20+ Years

Secure Risk Partners is licensed in California as SRP Cover Insurance Services and specializes in restaurant, bar and tavern insurance statewide. California's strict ABC regulations, mandatory workers' comp and aggressive liability environment make proper coverage essential.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
90,000+
Restaurants in CA
#1
US Restaurant Market
ABC
Liquor Regulator

California ABC strictly regulates liquor licensing and dram shop liability for restaurants and bars

Workers' comp is mandatory for all employees in California. California's dram shop laws create significant liability for restaurants and bars that over-serve guests.

Every Coverage California Restaurant Owners Need

We write all of these for California restaurant and bar owners — individually or as a complete package.

⚠️ Essential if Serving Alcohol🍻

Liquor Liability

Covers claims arising from alcohol service. Standard GL policies exclude dram shop and liquor-related claims entirely.

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General Liability

Slip and falls, customer injuries, food-related illness claims and third-party property damage.

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Property Insurance

Building, contents, equipment and outdoor dining at replacement cost. Earthquake coverage available.

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Workers' Compensation

Mandatory for all California employees — competitive placement statewide.

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Business Interruption

Replaces lost revenue and covers continuing expenses when a covered loss forces you to close or reduce operations.

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Crime & Employee Theft

Employee dishonesty and theft coverage — critical in cash-heavy restaurant environments.

We Know California Restaurants. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in California and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

California Restaurant Insurance FAQ

What coverages does a California restaurant owner actually need?
At minimum: general liability, property and workers' compensation. If you serve alcohol, liquor liability is essential. We also recommend business interruption and crime coverage for all restaurant owners.
How does California's dram shop law affect my restaurant?
California holds restaurants and bars liable for injuries caused by guests they over-serve. A single dram shop claim can reach seven figures. Liquor liability coverage is non-negotiable for any California establishment serving alcohol.
Does general liability cover food poisoning claims?
Yes. General liability covers foodborne illness claims from customers. We make sure your policy includes products and completed operations coverage, which is the specific provision that applies to food service claims.
Do you cover bars and taverns that don't serve food?
Yes. We cover the full spectrum — restaurants, bars, taverns, nightclubs and entertainment venues. Liquor liability is the primary coverage concern and we specialize in placing it for establishments of all types.
How quickly can you get a California restaurant quote?
Same day in most cases. We need basic details — location, square footage, annual sales, whether you serve alcohol and current coverage — and we can have options in front of you within hours.
Can you cover a restaurant with a history of claims?
Yes. We work with carriers including Lloyd's of London that consider non-standard risks. Prior claims don't automatically disqualify you. Call us to discuss your situation directly.

Ready for Your California Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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Get Your California Restaurant Quote

SRP Cover Insurance Services — CA License #6012103

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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant