California Restaurant Insurance
California restaurant insurance from a veteran-owned Florida agency licensed in California.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
100+ Years Combined
Deep commercial insurance knowledge across our team.
We Answer the Phone
Real Florida agents — never a call center, never a chatbot.
Veteran-Owned Agency
Independent, veteran-owned, headquartered in DeLand, FL.
24-Hour Certificates
Most COIs and additional-insured endorsements issue same business day.
Who we cover in California
Full-service restaurants, bar-and-grills, fast casual concepts, fine dining, food trucks, ghost kitchens, and bars with limited food service.
What California requires
- Workers compensation threshold: 1 or more employees for construction; 1 or more for non-construction.
California climate and risk considerations
Workers comp required for one or more employees. Cal/OSHA enforcement at events is strict. AB-5 affects how event labor is classified. Earthquake is excluded from standard commercial property and must be insured separately.
- Earthquake
- Wildfire
- Drought
Common California venue requirements
Most California venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common California markets we issue certificates for:
- Los Angeles corporate, school, and county venues
- San Francisco Bay Area corporate, school, and county venues
- San Diego corporate, school, and county venues
- Sacramento corporate, school, and county venues
- Fresno corporate, school, and county venues
What affects cost in California
California restaurant insurance premium depends on concept type, square footage, alcohol service model, claims history, and named-storm exposure. Workers comp required for one or more employees. Cal/OSHA enforcement at events is strict. AB-5 affects how event labor is classified. Earthquake is excluded from standard commercial property and must be insured separately. California workers compensation is required for non-construction businesses with 1 or more employees.