Restaurant Insurance in San Diego, CA


Buy Affordable Restaurant Insurance at H&M Insurance Agency


Being in the food and beverage business comes with different risks. That is why you will need restaurant business insurance because it is one of the areas where you do not want to skimp. H&M Insurance agency is here to help you find the best coverage for your restaurant.

Business insurance for restaurants reduces losses that could impact your food establishment and help you protect your employees and customers in the event of slips and falls, food contamination, general liability, equipment breakdown and more. We can help you customize insurance plan to fit the specific needs of your business.



(619) 296-0005

Commercial Restaurant Insurance Options

Our primary goal is to find the best possible rates from multiple insurance carriers. We know that no two food businesses are alike – tavern has different insurance needs than the fine-dining establishment, so our licensed agents will make recommendations tailored to your business at the most competitive prices. Do not wait until an accident happens; be sure we have the right solution for you.

Our customized policies include several coverage options:

Business owner policy (BOP)

Includes liability and property insurance. Properties covered by BOP typically include owned or rented business premises and personal business property. The liability portion usually offers coverage for third parties who suffer bodily injury, property damage, personal injury, or advertising injury on a covered business’s premises or caused by the business’s owner or employees. Read more >>>

General liability coverage

You will be protected against third-party claims, including bodily injury and property damage claims your business is legally obligated to pay for.  Read more >>>

Worker’s compensation

Provides benefits to employees who get injured or sick from a work-related cause. It covers medical expenses, ongoing care costs, lost wages, funeral costs, and disability benefits, and it is mandatory in most states. Read more >>>

Liquor liability coverage

It protects businesses that serve, sell, and distribute alcohol. This type of restaurant liability insurance helps cover claims of bodily injury or property damage that an intoxicated person causes after your company served them alcohol. Read more >>>

Food liability insurance program (FLIP)

Provides commercial general liability insurance, inland marine coverage, and many additional, specific options. FLIP works through a risk purchasing group, allowing vendors to purchase a policy at a group rate while maintaining their policy limits.

Commercial property insurance

This type of restaurant policy option includes protecting your company’s physical assets from explosions, fire, storms, burst pipes, vandalism, and theft. This policy does not typically cover floods and earthquakes unless those perils are added to the policy. Read more >>>

Equipment breakdown coverage

It covers damages to your equipment caused by covered internal forces, like electrical shorts, power surges, motor burnout, mechanical breakdowns, and operator errors. In addition, it provides funds to repair or replace damaged machinery or equipment that has suffered a failure. Resulting business income and extra expense loss are often covered as well.

Business income coverage or business interruption coverage (BIC)

Covers a loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. It can be extended to apply to loss suffered after completing the repairs for a specified number of days.

Product liability insurance

Will cover the medical expenses if your product makes your customers sick and need to go to the hospital.

Food contamination and spoilage

Covers the loss caused by frozen or refrigerated foods that spoil during a power outage or equipment failure. It also covers employee medical testing and equipment cleaning costs if your business is closed because of food poisoning or other illnesses.

Besides the abovementioned, some additional policies can protect you from the insurance claims:

  • Commercial auto & fleet most commercial auto insurance policies include liability insurance to cover your business’s legal costs if one of your employees gets into a car accident. In some cases, it can cover vehicle vandalism, theft, and other damages.
  • Restaurant crime insurance – this policy offers protection against theft, robbery, burglary, funds transfer fraud, computer fraud, even employee forgery or counterfeiting.
  • Umbrella policy – when you need additional coverage that exceeds the general liability policy limits, then your umbrella policy goes in.
  • Cyber liability insurance – when your customers’ data become stolen or exposed, cyber liability covers the massive expenses of the legal responsibility for a data breach.


One insurance company, multiple coverage options.

Who Needs Restaurant Insurance?

All the businesses that serve and cook food should have adequate restaurant insurance, like:

  • Coffee shops;
  • Breweries;
  • Cafes;
  • Diners;
  • Delis;
  • Pizzerias;
  • Sandwich shops;
  • Lounges;
  • Fast food franchises;
  • Food delivery services;
  • Bakeries;
  • Taverns;
  • Night clubs;
  • Family-style restaurants.

Why Choose H&M Insurance Agency?

Here at H&M Insurance Agency, we are dedicated to creating customized insurance plans to meet the needs of your food industry. Our goal is the same – to keep your business moving forward. Insurance for a restaurant protects your company against financial situations that can be impossible to overcome. Our team of experts will find the best restaurant policy for your restaurant or other food and beverage establishment.

Finding the best insurance for small businesses can sometimes be overwhelming, so feel free to contact our responsive and knowledgeable agents to help you find the most affordable option according to the needs of your business.

  • We minimize risks and reduce costs;
  • We are the family-owned company for more than 50 years;
  • Our restaurant insurance quote is easy, simple, and free;
  • Dedicated to your personal insurance needs;
  • Most affordable prices;
  • Our agency is specialized in San Diego and California market;
  • Our partners are renowned insurance companies;
  • We provide objective assistance at the leading insurance rates in California.



Restaurant insurance is a bundle of several policies that often include general liability, commercial property, auto, umbrella coverage, BOP, liquor liability coverage, workers compensation, and any other policy that restaurant owners think will keep them properly covered.

No, it is not mandatory in the state of California; however, it helps you prepare for the worst because it has several unique features to get the exact coverage you need.

As far as the average restaurant insurance cost is concerned, what generally influences the price are the following:
• The size, nature, and location of your business,
• The package policies and coverage choices available from your insurer,
• The unique risks your business faces,
• Yearly revenue,
• Whether you serve alcoholic beverages,
• Previous lawsuit and claims,
• The number of employees.

Call (619) 296-0005 for All Your Insurance Needs

Having the right restaurant policy is a business saver in these uncertain times. H&M Insurance Agency will always have your back when unexpected problems happen. Call us at (619) 296-0005 or complete the online form below.

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