Restaurant insurance in San Diego
Our approach is based on need-analysis. To analyze our clients' complete insurance needs, design a responsible protection program and place the coverage through the insurance company offering the most cost effective protection for each situation.
Property insurance
Excess liability
EPLI: Employment Practice Liability Insurance
One agency for the whole restaurant.
We are a one stop agency; where we handle all your insurance needs to save you time and just simply make your lives easier.
General liability
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. Other coverage includes Liquor Liability.
Workers compensation
Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Commercial auto
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do.
Coverage built around how a restaurant actually runs.
Most restaurant claims don’t start in the dining room. They start with a walk-in that quits overnight, a guest who had one drink too many, or a cook who slips by the fryer. We build your program around those real risks, then shop several carriers to price it.
Who we insure
- Full-service restaurants with a bar
- Quick-service and fast casual
- Bars, lounges and late-night spots
- Breweries and taprooms
- Cafés, bakeries and coffee shops
- Food trucks and caterers
- Restaurant groups with two to six locations
Liquor liability
If you pour beer, wine or spirits, your general liability policy probably excludes alcohol claims. Liquor liability covers injuries and damage caused by a guest you served. Most landlords and event venues ask for it before you sign, and bars can add assault and battery coverage.
Food spoilage
When the power goes out or a cooler fails, a full walk-in can be a total loss in a few hours. Spoilage coverage pays to replace the food you throw away, and many policies include losses from a utility outage.
Equipment breakdown
A standard property policy covers fire and theft. It usually doesn’t cover a burned-out compressor or a fryer with an electrical failure. Equipment breakdown pays to repair or replace refrigeration, cook lines, HVAC and POS systems, and can cover income lost while you’re closed.
Certificates when you need them
Landlords, lenders, festivals and event venues all want a certificate of insurance, usually by tomorrow. Send us the request and we aim to turn it around the same business day.
Coverage depends on the carrier and policy terms. Actual premiums depend on underwriting.
Let DowFin serve you.
Please call us for your appointment or your complimentary consulting session.