restaurant-and-food-service-insurance

Restaurant Insurance in Los Angeles, CA

Coverage Built for LA Restaurants, Bars & Food Businesses

From beachside cafés in Santa Monica to food trucks in Echo Park, Los Angeles has one of the most exciting food scenes in the country. But with that comes serious risk—kitchen fires, customer slips, liquor liability, and more. That’s why we offer restaurant insurance in Los Angeles tailored to your business, whether you run a bakery, bar, or fine dining establishment.


Derian Insurance helps restaurants, caterers, and food businesses throughout LA and Orange County meet local licensing requirements and protect what they’ve built—so they can keep serving without interruption.

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Essential Coverage for Hospitality Businesses

Whether you're managing a bar in West Hollywood or a taco stand in DTLA, we help you cover the risks that come with running a food business:

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Covers claims of injury, food poisoning, or property damage from customers.

Black and white illustration of a restaurant with a spoon, fork, and diamonds on top.

Protects your kitchen equipment, furnishings, and inventory.

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Liquor Liability

Crucial for any business serving alcohol; required by many CA licenses.

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Mandatory in California if you have employees.

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Business Interruption

Helps cover income loss during a temporary shutdown.

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Equipment Breakdown

Covers repairs or replacement for ovens, walk-ins, etc.

Black icons: drink with straw, food bag with utensils.

Food Spoilage Coverage

Helps recoup costs from perishable loss due to outages.

Black and white icon of a semi-truck.

Covers delivery vehicles or catering trucks.

If you run a food truck or a catering business, we’ll make sure your mobile operations are properly insured too.

Why LA Restaurants Trust Derian Insurance

We’ve worked with restaurants across Los Angeles for decades. Our team knows what you need to stay compliant and protected—without overpaying for coverage you don’t need. From fast COIs for landlords or events to help with liquor liability forms, we’re your partner in risk, not just a policy provider.


We also work with carriers that offer industry-specific programs for restaurants and bars, giving you better pricing and broader protection. And if something happens—like a kitchen fire or customer claim—we’re just a call away to walk you through the next steps.

Restaurant Insurance FAQs

  • Is restaurant insurance required in California?

    Yes. You’ll need general liability and workers’ comp (if you have employees), and liquor liability is often required to get or maintain your alcohol license.

  • How much does it cost to insure a restaurant in LA?

    It depends on your size, revenue, services, and coverage needs. Small restaurants may pay a few thousand dollars per year. We’ll help you build a plan that fits your budget.

  • What is liquor liability insurance and do I need it?

    If you serve alcohol, liquor liability protects you from claims related to intoxicated patrons. Most landlords, event venues, and the ABC will require it.

  • Do you insure food trucks and caterers?

    Yes. We cover mobile food operations, including trucks, vans, and off-site event catering.

  • Can I get discounts for fire systems or security?

    Yes. Restaurants with safety systems like sprinklers, alarms, or cameras often qualify for insurance discounts.

Start Your Quote Today

Whether you’re opening a neighborhood coffee shop or expanding a bar franchise across Los Angeles, we’ll build the insurance plan that keeps your business running strong. Reach out today for a free quote.