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Running a restaurant is a labor of love—and let’s be honest, it’s also full of risks. From kitchen fires to food spoilage, slip-and-falls to liquor liability, the unexpected is always on the menu. That’s why having the right commercial restaurant insurance is not just a good idea—it’s essential.
At Bakersfield Insurance Agency, we specialize in helping restaurants of all shapes and sizes build a custom protection plan that fits like a chef’s coat. Whether you run a fast-casual café, fine dining establishment, food truck, or catering company, we’re here to help you stay covered, stay open, and stay focused on serving amazing food.
Why Commercial Restaurant Insurance Matters
Your restaurant isn’t just a place to eat. It’s your dream, your team’s livelihood, and your customers’ gathering place. But accidents happen. A burst pipe could flood your kitchen. A customer might slip on a wet floor. A power outage could ruin your weekend food inventory. Without proper insurance, these events could shut you down—possibly for good.
That’s where we come in. A strong restaurant insurance policy gives you the peace of mind to focus on what you do best: creating memorable meals and exceptional guest experiences.
What Does Restaurant Insurance Cover?
Every restaurant is different, which is why coverage should be tailored. Here are some core protections most restaurants need:
Property Insurance: Covers your building, equipment, signage, furniture, and inventory from fire, theft, or vandalism.
General Liability: Helps cover legal costs if a customer gets hurt or property is damaged at your location.
Business Interruption: Replaces lost income if a covered event forces you to close temporarily.
Food Spoilage: Protects you if food is ruined due to power failure, equipment breakdown, or other covered losses.
Liquor Liability: Covers alcohol-related incidents if your restaurant serves beer, wine, or spirits.
Commercial Auto: If you offer delivery or catering, this covers your business vehicles and drivers.
Coverage That Matches Your Style
Not all restaurants are created equal, and neither are their risks. We build insurance plans around your exact needs. Whether you operate a cozy diner, bustling pizzeria, or food truck fleet, we’ll make sure your coverage is tailored, scalable, and affordable.
Here are some examples of businesses we protect every day:
- Full-service and fine dining restaurants
- Cafes, coffee shops, and bakeries
- Bars, pubs, and breweries
- Fast-food and quick-service chains
- Food trucks and mobile vendors
- Catering businesses and event-based operations
Have unique exposures? We’ll walk you through your risks and show you how to stay ahead of them.
Common Claims Restaurants Face
Take a look at this data from recent restaurant insurance claims. Knowing your risks is the first step in protecting against them.
| Claim Type | Average Cost |
|---|---|
| Slip and Fall Injury | $20,000+ |
| Kitchen Fire Damage | $55,000+ |
| Food Contamination or Spoilage | $10,000+ |
| Liquor Liability Incident | $150,000+ (with legal) |
| Equipment Breakdown | $8,000+ |
Could your business absorb these costs without skipping a beat? With commercial restaurant insurance, you don’t have to.
Why Choose Bakersfield Insurance Agency?
At Bakersfield Insurance Agency, we’re more than insurance agents—we’re restaurant insurance specialists. We understand the high stakes of your business and how fast things can change. That’s why we offer:
- Custom coverage for your type of food service
- Access to top-rated insurance carriers
- Fast response when claims happen
- Ongoing policy reviews as your business evolves
- Friendly service from local experts who get it
We’re here to serve you—so you can serve your customers with confidence.
Tips to Save on Restaurant Insurance
Want to lower your premiums without cutting corners? Here are a few smart moves:
- Install fire suppression and sprinkler systems
- Implement strong food safety protocols
- Train employees on safety and liability reduction
- Bundle your policies for multi-line discounts
- Work with an agency that knows your industry (like us!)
Small changes can make a big difference in cost and claims.
Let’s Talk Over Coverage
We know insurance isn’t the most appetizing topic—but it’s one of the most important ingredients to your success. Let’s sit down, take a look at your current policies, and make sure you're fully protected.
Give us a call at 661-206-2011 or click below to get started with a free quote.
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