Manhattan Beach Restaurant Insurance

Restaurant Owners Quote Request

California Insurance Service, caters to the insurance needs of today's Manhattan Beach restaurant, bar & tavern owners, offering quality coverage unique to the industry. Designed for full-service fine dining and family restaurants, our value is straightforward...we can better serve you because we specialize in and understand the restaurant industry. We offer:

  • Broad coverages designed for your industry and tailored to your standards.

  • Competitive Pricing

  • Responsive, fair claims services that protect the best interests of policy owners.

  • Access to safety and loss prevention information specifically for restaurant operations.

As experts in restaurant insurance and risk management issues, we have built upon our experience to develop a portfolio of coverage to address every facey of your restaurant operation. Available coverages include:

  • Property Insurance - Business Income, Equipment Breakdown, Food Contamination Spoilage, Sewer Backup

  • Crime/Employee Dishonesty

  • General Liability

  • Liquor Liability

  • Employee Benefit Liability

Manhattan Beach Restaurant, Bar & Tavern Insurance Quote

Restaurant Business Owner's Package(BOP) can be designed based for the challenges that you face as a business restaurant owner.

Coverage for Restaurant Insurance Package:

Business Property

Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your restaurant's doors. It covers your restaurant location and inside contents including fixtures, furniture and valuable restaurant equipment.

Business Liability

Choose Business Liability insurance for accidents, mistakes or injuries that may occur at your restaurant. This may include a customer's claim of a broken tooth or illness because the food served at your restaurant was tainted.

Business Crime

Unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a restaurant owner. Business Crime Insurance covers you for losses both within and outside your restaurant.

Workers' Compensation

Accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. We offer Workers' Compensation insurance for your restaurant so you are prepared when those accidents and illnesses occur.

Because Manhattan Beach restaurants vary dramatically depending on size, location and style, your businessowners policy may be customized with affordable options, such as:

Property/Contents/Loss of Income Limits to $5,000,000 and Commercial General Liability which includes occurrence Form and Limits of $1,000,000 / $2,000,000 Occurrence / General Aggregate General Liability and $1,000,000 / $2,000,000 Occurrence (Common Cause)/ General Aggregate Liquor Liability

  • High Liquor revenue accounts eligible

  • Equipment Breakdown Included

  • Data Compromise / Identity Theft Recovery Coverage available

  • Broadened Property and General Liability Coverage Forms

  • Employment Practices Liability available

  • Food Contamination Coverage

  • Business Umbrella Insurance

Today's restaurant environment is more complex than ever and you want to know you're covered for unexpected occurrences. California Insurance Service All in One Restaurant Package includes Business Liability, Property, Crime, and other coverages designed to meet your insurance needs. Whether your restaurant is elegant, trendy, traditional, ethnic, or home-style we have the package for you. We offer insurance for the following types of restaurants:

  • Buffets

  • Delis

  • Caf├ęs

  • Diners

  • Cafeterias

  • Drive-ins

  • Carry-out restaurants

  • Fast food

  • Coffee shops

  • Food bars

  • Fine dining restaurants

  • Family-style

  • Luncheonettes

  • Sandwich shops

  • Bars & Taverns


Restaurant Coverages

Here are some of the coverage options that are available to you to help you with your insurance needs.


Property and Inland Marine

  • Buildings at Replacement Costs or Actual Cash Values

  • Automatic Increase in Building Amount (inflation guard)

  • Contents at Replacement Costs or Actual Cash Values

  • Automatic Increase of the contents for seasonal fluctuation

  • Loss of income & extra expense on an actual loss sustained basis for 12 months or other extended period

  • Loss of income & extra expense from power interruption

  • Loss in value of undamaged building portion, demolition or increased construction cost to meet ordinance or law requirement

  • Comprehensive equipment breakdown coverage

  • Coverage extension to newly acquired buildings and contents

  • Fire department service charge and extinguisher recharge cost

  • Debris removal & Pollutant clean up cost

  • Back up of sewers or drains

  • Accounts Receivables and Valuable Papers coverage

  • Computer equipment including Media & Records

  • Earthquake or earthquake sprinkler leakage

  • Transportation (Transit) Coverage

  • Spoilage Coverage

  • Bailee Coverage



  • Employee Dishonesty

  • Forgery & Alteration

  • Money & Securities - both inside and outside of the premises

  • Money Orders & Counterfeit Currency


General and Other Liability

  • Operations and Premise liability including parking lot liability

  • Personal and Advertising injury liability

  • Products and Completed Operations liability

  • Contractual and Owners Protective liability

  • Hired and Non-owned automobile liability

  • Employee Benefits Liability

  • Liquor legal liability


Manhattan Beach Restaurant, Bar & Tavern Insurance Quote