Hospitality & Food Service Insurance · California
Insurance for Restaurants, Bars & Event Venues
Restaurants, bars, hotels, and event venues face a wide range of risks — from slip-and-fall injuries and food contamination to liquor liability exposure and kitchen fires. Capital & Co builds comprehensive hospitality programs that protect your business, your guests, and your team.
Key Risks
Slip-and-fall injuries on premises
Liquor liability from over-service incidents
Food contamination and foodborne illness claims
Kitchen fire and equipment damage
Employee injury and workers compensation
Business interruption after a closure event
Coverage Programs
Core / Typically Required
General Liability
Core coverage for bodily injury and property damage to guests and vendors.
Liquor Liability
Covers claims arising from alcohol service — required for licensed establishments.
Commercial Property
Covers your building, equipment, inventory, and fixtures.
Workers Compensation
Required for employees — kitchen and service staff have high injury rates.
Recommended / Optional
Business Interruption
Pays lost income and fixed expenses if you are forced to close temporarily.
Inland Marine / Equipment
Covers specialized equipment like commercial ovens, coolers, and bar equipment.
COI Requirement Checker
Frequently Asked Questions
Why Capital & Co
- Specialized market access for food service, hotels & events programs
- California-specific regulatory knowledge and compliance
- Competitive rates across 50+ admitted and non-admitted carriers
- 1-hour quote turnaround for most commercial submissions
- Dedicated claims advocacy and certificate management
