Restaurants Insurance

Serving the Bay Area with Top Quality Restaurant Insurance.

Slicers, hot griddles, difficult patrons, long hours, disputed wages, food poisoning—now let’s add alcohol. A restaurateur faces all these risks plus factors outside the walls of his or her establishment that could shut business down for a long time.

A streak of harsh weather can crush business, as can failed suppliers, downed utilities, food recalls, and traffic disruption. A contingent business interruption insurance policy is almost a must, especially for restaurants that rely on foot traffic from an anchor store or that could be cut off from the traveling public by the closure of a road, bridge, or tunnel. DiNicola Insurance Services can insure against these risks, as well as provide Business Income with Extra Expense policies that help restaurants recover from shutdowns resulting from covered damage to their own property.

We also offer insurance for equipment breakdown, for food spoilage that results from a covered cause of loss, for your building and its contents, and more. Our Valet insurance is a must for restaurants that offer car-parking services.

We also provide offer Liability insurance as well, including liquor liability, food contamination coverage , food-borne illness insurance, cyber liability in the event your patron’s data is compromised and general liability for cases when a visitor gets injured at your facility. Restaurants also need good Employment Practices insurance, which responds to employee allegations of unfair pay practices or discrimination. Our Workers Compensation policies and Employee Benefits will round out a strong portfolio.

In addition, we offer risk management services to help you manage your expenses, including creating custom, strategic safety plans that can help reduce your experience modification factor, which is critical in determining your Workers Comp premiums.

Our risk exposure analysis helps you prioritize your insurance needs.

DiNicola Insurance Services provides commercial insurance, employee benefits, and risk management services in communities throughout the San Francisco Bay area, including San Mateo, San Jose, Santa Clara, Alameda, and Marin County, California. To get started on a complete insurance program for your business needs, contact us by phone at 855.247.1912 or by email, or you can complete and send the form on this page.