Restaurant Insurance
Restaurant & bar insurance built for the West Coast.
From a single general-liability policy to a complete program with liquor liability and equipment breakdown, Focus West places the coverage food service actually needs — packaged for the realities of tight margins and high turnover. Independent, carrier-neutral, and in your corner when a claim hits.
Serving the West Coast — California, Oregon, Washington, Nevada, Idaho, Utah, Arizona & Hawaii — from our San Diego home base.
Coverage
Every line a restaurant needs, under one broker.
We market your account to the carriers and programs that fit food service — so you get the right coverage at the right price, not whatever one company happens to sell.
General Liability
Slips, trips, foodborne-illness claims, and third-party injury — plus the additional-insured requirements landlords and franchisors demand.
Liquor Liability
Dram shop coverage for any establishment that serves alcohol — the claim a standard GL policy won't respond to.
Property & BOP
Building, contents, business personal property, and tenant improvements — bundled into a business owners policy where it fits.
Equipment Breakdown
Refrigeration, HVAC, walk-ins, and cook lines — mechanical failure that standard property insurance leaves out.
Workers' Compensation
California-compliant coverage for kitchen and front-of-house staff, with experience-mod review and clean audits.
Business Income & Spoilage
Lost income while you're closed for a covered loss, plus spoiled inventory after a breakdown or power outage.
Employment Practices (EPLI)
Wage-and-hour, harassment, and wrongful-termination defense — the claims hospitality sees most.
Commercial Auto & Delivery
Owned, hired, and non-owned vehicles plus delivery exposure, whether in-house or third-party drivers.
Why restaurants choose Focus West
Built for the realities of food service.
Margin-aware coverage
We structure programs around the losses that actually close restaurants — spoilage, equipment breakdown, liquor, and employment claims — without padding the premium.
Liquor & entertainment expertise
Bars, sports bars, live music, and late-night service change your risk profile fast — we place the carriers that understand and price it correctly.
Real claims advocacy
When a contamination, slip-and-fall, or fire claim hits, we coordinate it alongside a dedicated claims partner and push for a fair, timely resolution.
Concepts we cover
From full-service kitchens to food trucks — and the bar in between.
A sample of the food-service concepts we place coverage for. Don't see yours? We write virtually any restaurant or bar operation.
Where we work
Serving restaurants across the West Coast.
Headquartered in San Diego, we place coverage up and down the West Coast — across California, Oregon, Washington, Nevada, Idaho, Utah, Arizona, and Hawaii — with deep roots in the communities we call home.
San Diego County
San Diego, Chula Vista, Oceanside, Carlsbad, El Cajon, and the greater metro.
Orange County
Anaheim, Santa Ana, Irvine, Huntington Beach, and surrounding cities.
Riverside County
Riverside, Corona, Moreno Valley, Temecula, and the Inland Empire.
San Bernardino County
San Bernardino, Ontario, Rancho Cucamonga, Fontana, and the High Desert.
Get a restaurant insurance quote.
Tell us about your restaurant or bar and a Focus West advisor will follow up with a tailored next step. Need it faster? Call us.
Questions
Restaurant insurance, answered
What areas do you write restaurant insurance in?
We serve restaurants and bars across the West Coast — California, Oregon, Washington, Nevada, Idaho, Utah, Arizona, and Hawaii — from our San Diego home base, with deep roots in San Diego, Orange County, Riverside, San Bernardino, and the Inland Empire.
Do you offer liquor liability for bars and restaurants?
Yes. We place liquor liability (dram shop) coverage for any establishment that serves alcohol — from a full bar to beer and wine — which a standard general liability policy typically will not cover.
What does a restaurant business owners policy (BOP) include?
A restaurant BOP typically bundles property, general liability, and business income. We round it out with the coverages food service actually needs — equipment breakdown for refrigeration and cook lines, food spoilage and contamination, and liquor liability where applicable.
Do you cover food trucks, caterers, and breweries?
Yes. We write full-service restaurants, bars, fast casual, cafes, bakeries, food trucks, caterers, pizzerias, breweries and taprooms — including off-premises and delivery exposure.
Do you write workers' compensation for restaurant staff?
Yes. We place California-compliant workers' compensation for kitchen and front-of-house staff, review your experience modification factor, and help keep payroll classified correctly for clean audits.
How do I get a restaurant insurance quote?
Tell us about your restaurant using our quote form and a Focus West advisor follows up with a tailored next step. You can also call (714) 988-3863.
Coverage availability, terms, limits, and eligibility vary by carrier, underwriting, and state requirements. This page is informational only and is not an offer of insurance.