Sharp knives, long hours, and alcohol in a public setting create risks for your hospitality business. As a business owner in the hospitality industry, you know there are many ingredients needed to be successful. Whether restaurant, bar, hotel, resort, or night club, we understand your challenges and provide solutions that help your company thrive.

We've Got You Covered. 

With over 20 years of experience working with Bay Area businesses, DiNicola is uniquely qualified to help you understand your risks and tailor a program that covers all of your unique needs.

In addition to insurance products, we can also assist with implementing loss control and risk management strategies that will help your business minimize losses and further reduce insurance premiums.

DiNicola also provides employee benefits programs to help businesses attract and retain talent. You’ll find choices and flexibility in the plans and products we offer, which is key in today’s benefits environment. We can help you provide your employees with Consumer-Driven Health Plans; Group Health, Life, Long-Term Care, and Disability; Retirement programs; Voluntary Benefits; and Wellness Programs.

Solutions Unique to the Hospitality Industry. 

In addition to Workers' Comp Insurance, we offer liquor liability, food contamination coverage, food-borne illness insurance, cyber liability for breaches in customer data and general liability for cases when a visitor gets injured at your facility.

Extra Expense policies can help restaurants recover from shutdowns resulting from covered damage to their own property. Employment Practices insurance responds to employee allegations of unfair pay practices or discrimination. An Employee Benefits policy will round out a strong portfolio.

Businesses We Serve include: Bars & Nightclubs, Restaurants, Caterers, Food Delivery Services and Hotels. 


The costs associated with a business insurance policy are small compared with the large risks that you’ll be protected against. Our insurance is a collection of protective insurance policies for any business owner to protect against some of the greatest risks in business. It can shield you from losses arising from property, employee, or customer claims. Why do I need insurance protection? Your business is valuable; don’t let another day go by without shutting the door on risk. It’s easy and quick to get a no-risk quote for a business insurance policy. Just fill out this simple form and within a day, we will be in touch to find out more about your business and goals. 


Understandably, price is always a concern. We will advise you, based on the business you're in and the risks you face and you are in control of what types and amounts of coverage you want to pay for, and when. So it can be surprisingly affordable. Talking to a local resource you can trust is the first priority.

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