Restaurant & Bar Insurance
Insurance built for restaurants, bars, cafés and nightclubs. We protect your space, kitchen equipment, liquor liability and staff, so one slip, fire or power outage doesn't close your doors.
- Access to 65+ A-Rated partner carriers
- Licensed California broker · Lic. #6014669
- Fast quotes and same-day coverage available
Why restaurants and bars need specialized insurance
Restaurants and bars face risks most businesses don't: kitchen fires, slip-and-falls, food that spoils when the power goes out, and claims involving alcohol.
We build a restaurant insurance program around how you operate, often starting with a business owners policy (BOP) and adding liquor liability, workers' comp and anything else you need.
Who needs Restaurant & Bar Insurance?
What does Restaurant & Bar Insurance cover?
Every policy is customized to you. Here's what this coverage typically includes.
General liability
Customer injuries like slip-and-falls, plus claims tied to the food you serve.
Liquor liability
Claims involving guests who were served alcohol at your business. Usually required if you serve alcohol.
Property & equipment
Your kitchen equipment, furniture, inventory and improvements to your space.
Food spoilage & equipment breakdown
Replaces food lost when refrigeration fails or the power goes out, and repairs broken equipment.
Business income
Lost income and ongoing expenses if a covered loss forces you to close temporarily.
Workers' compensation
Coverage for cooks, servers and staff hurt on the job, required for California employers.
We work for you, not the insurance company.
- 65+ partner carriersMore choices means better deals for you
- Local Glendale teamReal people who answer the phone
- Continuous help after you buyCertificates, endorsements, renewals, and more
I’m very satisfied with the commercial policy I got from Brix Insurance Brokerage. The price was great, and the coverage really met all my needs. They made the whole process easy and stress-free.
Restaurants & Bars insurance questions
Do I need liquor liability insurance?
If you sell or serve alcohol, yes. General liability policies usually exclude alcohol-related claims for businesses that serve alcohol, and landlords often require liquor liability in the lease.
Is a business owners policy (BOP) good for a restaurant?
Often, yes. Many restaurants qualify for a BOP that bundles liability, property and business income coverage. Bars and late-night venues may need a different package, and we compare both for you.
What does food spoilage coverage pay for?
It helps replace food and inventory that spoils because of a power outage or a refrigeration breakdown.
Related coverage
All services →
Business Owners Policy (BOP)
Liability and commercial property bundled in one policy. Save money.
Learn more →
Workers' Compensation Insurance
Required for California employers. Covers employee injuries and lost wages.
Learn more →
General Liability Insurance
Protects your business from customer injury and property damage claims.
Learn more →Get your free Restaurants & Bars quote
Protect what matters today. A licensed broker will compare carriers from our 65+ A-Rated partner network for you.