Full-service and fast-casual
Review employees, premises, food products, equipment, property, and customer-facing exposures.
RESTAURANT OPERATING MODELS
Types of California Restaurant Insurance by Operating Model
Restaurant insurance questions change with the operating model. Use these categories to organize a coverage review without assuming that every food-service business needs the same policies.
Bars and taverns
Add a focused review of alcohol service, contracts, premises, liquor liability, and employee duties when applicable.
Caterers and food trucks
Review mobile operations, vehicles, venues, equipment, food transport, hired/non-owned auto, and temporary locations.
Full-service and fast-casual restaurants
These operations commonly review Workers’ Compensation, General Liability, property, equipment, business income, food-related exposures, and certificates. Commercial Auto may apply if the business uses vehicles for delivery or supply activity.
Bars, taverns, and restaurants serving alcohol
Alcohol service can create a distinct liability review. Restaurant owners should describe the way alcohol is sold or served, the premises, contracts, and any requested liquor liability terms.
Caterers, food trucks, and mobile food operations
Mobile businesses may need to review vehicles, trailers, equipment, temporary locations, event contracts, food transport, and hired or non-owned auto exposure in addition to employee coverage.
Restaurant insurance questions
Do food trucks need the same insurance as restaurants?
No. Food trucks can have different vehicle, trailer, equipment, mobile-location, and event-contract exposures. A tailored review is more appropriate than copying a restaurant package.
Do caterers need Commercial Auto?
Caterers should review Commercial Auto when vehicles are used for business transportation, deliveries, equipment, or food service. The correct coverage depends on the vehicles and use.
Can a bar or tavern request the restaurant coverage review?
Yes. The restaurant cluster includes bars and taverns as an operating model, with alcohol service identified for a separate underwriting and liability review when applicable.