Restaurant Insurance in Bellflower, Long Beach, and Orange County CA
At ANA Insurance Brokerage, we insure establishments that prepare and serve food directly to consumers. We write a variety of businesses in the food service industry, from casual diners and franchises to fine dining destinations, like steak houses.
We believe that insuring and protecting restaurants is a way to preserve our community’s vibrant culture. Most of our existing accounts are restaurants that sell ethnic cuisine from Mexico, Central and South America, and India. We also insure pizza parlors, delis, fast food and sandwich shops, and American restaurants. And, we provide insurance for caterers.
We’ve seen our clients experience losses related to fire, smoke, theft, slip and fall, food poisoning, employee injury, equipment breakdown, credit card forgery and street level identity theft, disappearance or destruction, spoilage, and liquor sales. We want to make sure that if your business ever experiences this type of loss, you have a policy that will allow you to keep your doors open.
Restaurant Insurance Consultations, Including Business Owners Insurance (BOP) and Workers’ Compensation Quotes in Bellflower and Long Beach CA and the Gateway Area
Experienced agents provide consultations complete with quotes from companies like Nationwide, Travelers, Mercury, and more. One of our agents, Amy Solares, worked for a restaurant early in her career, and has a good understanding of how a restaurant operates. She also has over a decade of insurance experience. As a result, her background uniquely qualifies her to understand the insurance risks restaurants face.
This experience, combined with the resources our A+ rated insurance carriers provide, allow us to give clients comprehensive coverage at excellent rates. We offer personal support to assess specific needs, and have the ability to request free loss control assessments directly from our companies. This assures that your restaurant complies with the minimum risk management requirements.
Building Coverage, Business Personal Property Coverage, and Workers Compensation Insurance for California Restaurant
Clients often ask if we can add specific coverages based on their particular needs and remove coverage they may not need. The answer? Yes. When we develop a restaurant insurance package, we start with a standard business owner’s policy (BOP) that combines general liability insurance and business personal property insurance coverages that already include features tailored to restaurants. Then, we further customize it to your needs with additional coverages like liquor liability, and even cyber liability.
We also carry surplus lines for liquor liability and additional coverage for restaurants with high volume liquor sales and live entertainment. If needed, we can build a package through other carriers for more unique risks. We also help you provide quality workers compensation insurance that keeps you compliant with mandates the California Department of Industrial Relations places on restaurant owners.
When clients want to know how their building and business personal property are covered, we explain the factors that affect restaurant insurance portfolio. We review all aspects from building material, number of stories, safeguards, and other factors that influence building coverage and deductibles. We also assist on the selection of the correct business personal property limit and deductible based on the money amount a restaurant owner would need to buy all their restaurant equipment again.
We are also able to correctly structure policies for restaurant owners who are tenants of their buildings, and also for those who have financed their buildings. We review your lease agreement to ensure your policy fulfills the lessor’s requirements for general liability insurance and add them as additional insureds, or, in the case of financing, provide adequate property coverage and name the finance institutions as additional insureds.
ANA Insurance Brokerage Agents Know Your Southern California Restaurant Insurance Needs
Creating an effective and comprehensive restaurant insurance policy takes time, expertise, and knowledge of risks and requirements. For example, in the state of California, restaurant owners are required to provide their employees with workers compensation. At ANA Insurance Brokerage, we know the laws and the risks you face, and are fully equipped to keep you both compliant and fully protected for a reasonable amount of premium.
We have offices in South Gate, Van Nuys, Bellflower, and Long Beach, and happily serve the Gateway area in Los Angeles County.