Overview
Restaurants and bars face more risks than most businesses: kitchen fires, slip-and-fall injuries, foodborne illness claims, equipment breakdowns, employee injuries, and claims related to serving alcohol.
We'll walk through how your business operates, from seating and delivery to hours and alcohol sales, and build coverage that protects your investment and keeps you compliant with your lease.
What's covered
- Property & equipmentYour space, kitchen equipment, furniture and inventory
- General liabilityCustomer injuries and property damage
- Liquor liabilityClaims related to serving or selling alcohol
- Workers' compensationRequired for your staff in California
- Business incomeLost income if a covered loss forces you to close
- Food spoilageInventory lost to equipment failure or power outage
- Employment practices (EPLI)Claims from employees or applicants
- Commercial umbrellaAdditional liability protection
Who it's for
Full-service restaurants, bars, cafés, fast-casual and takeout spots, bakeries, and other food and beverage businesses.
If you serve or sell alcohol, liquor liability is essential. Standard general liability policies typically exclude claims tied to businesses that serve alcohol.
Why work with Assan Insurance Agency
We've served Los Angeles businesses and property owners since 2000 from our office on Westwood Boulevard. You work directly with the owner, Kamran Lalehpour, in English or Farsi, and we review your coverage every year so it keeps up with your business.
Common questions
Do I need liquor liability insurance?
If you serve or sell alcohol, yes. General liability policies usually exclude alcohol-related claims for businesses that serve alcohol, so liquor liability fills that gap.
Is workers' comp required for restaurant staff?
Yes. California requires employers to carry workers' compensation, including for part-time staff.
What happens if a fire forces us to close?
Property coverage pays to repair the space and equipment, and business income coverage helps replace lost income and pay ongoing expenses while you're closed.
My landlord requires specific coverage. Can you match it?
Yes. Send us the insurance section of your lease and we'll make sure your policy and certificate meet it.