Restaurant Insurance in California
Coverage built for restaurants, cafes, and food service businesses
From a local Farmers agency in Ontario, serving the Inland Empire and all of California.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteRestaurants juggle hot kitchens, busy dining rooms, delivery drivers, and expensive equipment every day. We help Inland Empire restaurant owners build coverage that fits how they actually operate, from a small taqueria to a full-service dining room.
Who we cover
- Full-service and fast-casual restaurants
- Cafes, coffee shops, and bakeries
- Bars and restaurants that serve alcohol
- Catering companies
- Ghost kitchens and takeout-only kitchens
Coverage to consider
General liability
Covers customer injuries, like a slip on a wet floor, and related claims.
Commercial property
Protects your building improvements, kitchen equipment, furniture, and inventory.
Liquor liability
Protects you if you serve alcohol and a customer causes harm after drinking.
Food spoilage and equipment breakdown
Helps cover spoiled inventory and repairs when coolers or other equipment fail.
Business income
Replaces lost income if a covered loss forces you to close temporarily.
Workers' comp
Required for your employees, and kitchen burns and cuts are common claims.
Coverage options, limits, and eligibility vary by carrier and are subject to underwriting. We'll match you with the right options from the carriers available to our agency.
Common risks we help you plan for
Kitchen fires, customer slip-and-falls, employee burns and cuts, refrigeration failures, and liquor-related incidents are the most common restaurant claims.
Why work with a local agent
Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, so you can sit down with us in person or handle everything by phone and text. We review your operations, explain your options in plain language, and help when it's time to file a claim.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Areas we serve
We work with restaurants, cafes, and food service businesses throughout the Inland Empire, including Ontario, Rancho Cucamonga, Chino Hills, Chino, Upland, Fontana, Montclair, and Eastvale, and across California.
Related coverage
Frequently asked questions
Do I need liquor liability if I only sell beer and wine?
If you sell or serve any alcohol, liquor liability is strongly recommended and is often required by landlords.
Does a business owner's policy work for restaurants?
Many smaller restaurants can combine property and liability in a business owner's policy (BOP). Larger or higher-risk operations may need separate policies.
Is workers' comp required for part-time kitchen staff?
Yes. California requires workers' comp for employees, including part-time staff.
Do you serve businesses outside Ontario?
Yes. Our office is in Ontario, and we serve businesses throughout the Inland Empire and across California.
Get your free quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.