Restaurant & Bar Property Insurance
Restaurants and bars face fire risk from commercial kitchens, costly equipment, and perishable food that can spoil in hours. Pacific Southwest Insurance Services builds restaurant insurance programs that cover your building or leased space, kitchen equipment, inventory, business income and liability.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our restaurant & bar clients include:
- Full-service restaurants
- Fast-casual and quick-service
- Bars, pubs and nightclubs
- Cafes and coffee shops
- Bakeries and delis
- Pizzerias and takeout
Coverage Options
- Building or tenant improvements: Covers the building you own or improvements you made to leased space.
- Kitchen equipment and contents: Covers ranges, hoods, refrigeration, furniture and POS systems.
- Food spoilage: Covers inventory lost to power outages or equipment failure.
- Business income: Replaces lost profits and pays payroll during a covered shutdown.
- Liquor liability: Required for bars and restaurants that serve alcohol.
- General liability: Covers customer slip-and-falls and foodborne illness claims.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Cooking type (frying and open flame raise rates)
- Hood suppression system and cleaning schedule
- Alcohol sales percentage
- Hours of operation
- Building age and construction
- Seating capacity and revenue
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- Grease fires: Kitchen fires are the leading property claim for restaurants.
- Food spoilage: Power outages and refrigeration failures spoil inventory.
- Slip-and-falls: Wet kitchen and dining room floors lead to injuries.
- Water damage: Dishwashers, ice machines and floor drains can leak.
Tips for Restaurant and Bar Owners
- Clean hoods on a regular schedule and keep the records.
- Have your fire suppression system inspected twice a year.
- Put alarms on walk-in coolers and freezers.
Frequently Asked Questions
Does my policy require hood cleaning?
Most carriers require regular hood and duct cleaning and a working suppression system. Keep records, since they can affect claims.
Is liquor liability included?
Usually not. It’s a separate coverage required if you serve alcohol.
Can you cover food trucks too?
Yes. See our food truck insurance page under commercial auto.
Does my policy cover lost income if I close after a fire?
Business income coverage can replace lost profits and pay ongoing expenses while you’re closed for repairs after a covered loss.
Do I need workers’ compensation for my restaurant?
Yes. In California, workers’ compensation is required if you have employees.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Restaurant & Bar Property Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.