California commercial insurance
Restaurant insurance for California food and hospitality businesses.
Mission Insurance Services helps California restaurants organize insurance around cooking, property, employees, alcohol, delivery and income exposures.
Built for the operation
Start with the risks that make this business different.
Restaurant eligibility can change with cooking methods, fire protection, sales mix, alcohol, entertainment, delivery, hours and loss experience. We prepare the operating picture before approaching available markets.
Mission Insurance Services is based in San Diego and licensed to write policies for businesses throughout California. Coverage availability, terms and pricing depend on carrier guidelines and underwriting.
Coverage to consider
- General liability
- Commercial property
- Business income
- Equipment breakdown and spoilage
- Workers’ compensation
- Liquor liability when applicable
Questions business owners ask.
These general answers are a starting point. The policy forms, endorsements, exclusions and limits control actual coverage.
Can restaurant groups with multiple California locations be reviewed?
Yes. Sales, payroll, cooking, alcohol, protection systems, occupancy and claims information should be separated by location when required.
Are all restaurant concepts quoted the same way?
No. A café, full-service restaurant, bar, caterer and delivery-focused operation can present different property and liability exposures.
Restaurant Insurance
Get the submission moving.
Share the basics. We’ll follow up for the underwriting details needed to approach available insurance markets.