From a family taqueria on the East Side to a downtown bar, San Jose restaurants get the full coverage stack from us — general liability, property, liquor liability, and workers' comp for kitchen staff. We shop carriers and speak your language.
Aceptamos ITIN · Sin preguntas sobre tu estatus
No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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A restaurant carries more moving risk than almost any other small business, and the coverage reflects that. The foundation is general liability — required by virtually every commercial lease in Santa Clara County before you get the keys — paired with commercial property to protect your build-out, kitchen equipment, and inventory. From there, the specifics of your concept drive the rest: a place that serves alcohol needs liquor liability, a kitchen with employees needs workers' comp, and any operation with walk-in coolers needs to think about food spoilage and equipment breakdown. As an independent broker we shop these across carriers and build the stack around how your restaurant actually runs.
The dollars in a restaurant are concentrated in places a generic policy misses. Your hood system, walk-in, and line equipment are expensive to replace and devastating to lose mid-service — equipment breakdown and spoilage coverage exist for exactly that. If you pour beer, wine, or liquor, liquor liability protects you when an intoxicated patron causes harm, a risk a standard general liability policy excludes. We make sure these are not the gaps you discover after a loss.
Covers customer injury and property damage — the slip-and-fall in the dining room. Required by nearly every Santa Clara County lease.
Protects your build-out, kitchen equipment, furniture, and inventory from fire, theft, and damage.
Required for beer, wine, or a full bar. Covers harm caused by an intoxicated patron — excluded by standard general liability.
Required by California for your kitchen and wait staff. We shop comp so your crew is covered and you stay compliant.
Covers the hood, walk-in, and line equipment that can shut you down mid-service if it fails.
Covers inventory lost when a cooler or freezer goes down — a real, recurring restaurant exposure.
San Jose's restaurant scene runs from the family taquerias and panaderias of the East Side to the bars and full-service kitchens of downtown, Japantown, and Santana Row. Each of those is a different insurance conversation. A taqueria with a small staff and beer-and-wine service needs a very different program than a downtown bar with a late-night crowd or a sit-down restaurant with a full liquor license and a dozen employees. The lease requirements, the liquor exposure, and the payroll all change — and so should the policy.
Many of the restaurants that define this city are family-run and Spanish-speaking, and that is exactly who we are built to serve. We walk owners through what their lease actually requires, whether their alcohol service triggers liquor liability, and how their kitchen payroll drives workers' comp — in Spanish or English, plainly, so the coverage decision is one you can actually make. As an independent broker we are not pushing one company's restaurant program; we shop the market for the one that fits your concept and your budget.
Our San Jose office at 25 N. 14th St. on the East Side sits in the middle of one of the city's great food neighborhoods, and we insure restaurants, taquerias, bars, cafes, and food trucks across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell. Restaurant owners keep brutal hours, so we make this easy — walk in, call, or start online, and we will tell you straight what your concept needs.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, because so many of the families running San Jose's kitchens do business in Spanish — and a restaurant's insurance is too important to leave to a policy nobody fully explained.
Walk in or call — we'll build the right coverage stack for your concept and shop it across carriers.