San Diego Restaurant Insurance Specialists
Steve Hom Insurance Protects Your San Diego Restaurant by Providing You With the Right Insurance Coverages at the Best Prices
San Diego restaurant goers depend on your business for delicious meals, refreshing drinks and scrumptious desserts. But, if something unexpected happens and your restaurant business gets interrupted, how quickly will your current insurance agent get you back expediting your business again?
With so many unknown risks that threaten your business everyday, Steve Hom Insurance provides the most coverage for your restaurant at the best prices the market has to offer, since we're independent insurance agents (we're not tied to just 1 company, we represent dozens!)
So don't wait, get a Free Quote Now!
Request a San Diego Restaurant Insurance Quote Today!
Insurance Policy Types We Recommend for Restaurants in San Diego
General liability insurance protects your business from a variety of things. We can create a customized policy for you to include different types and amounts of coverage. At it’s most basic form a General Liability policy is designed to protect you business from situations that result in bodily injury or property damage to a third party.
Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a Bar, Tavern, Nightclub, Fraternal Club, Convenience Store, Liquor Store, or Restaurant.
Does your restaurant business offers delivery services or if you have employees driving to vendors or clients on the business's behalf? If so, your business definitely requires a San Diego Commercial Auto policy that protects you or your employee in the event that an accident occurs. Commercial auto policies cover protection if your employees run out to get supplies, go on a lunch run or get into an accident while on the clock.
A San Diego Business Property Insurance Policy can protect your restaurant against damages to your property from covered perils such as accidents, storms, theft, vandalism, earthquake or fire. Property coverage extends beyond just the building itself, it includes inventory, furniture, fencing and outdoor signage.
Many people also know San Diego Business Interruption Insurance as "Loss of Income Insurance" – by either name, it can help keep your business afloat in the event the unexpected occurs. In the unlikely event something terrible does happen and you are no longer able to operate – you will still need to pay taxes, suppliers, rent/mortgage, employee wages and any other bills you might have. On top of that, you'll probably need income as well to continue to survive. Business Interruption insurance can even help you pay for a temporary location to get your business back up and running as fast as possible.
Since your Restaurant Business is in San Diego, you are legally required to provide worker's compensation insurance in order to provide benefits in the event an employee gets injured on the job. Workman's Comp helps cover medical care & rehabilitation costs as well as lost wages until the employee is well enough to come back to work. If you currently have a Work Comp policy that you think you are paying too much for, let us know and we'd love to shop it around with our many A+ rated carriers.
Why You Need Restaurant Insurance in San Diego
Let's face it – San Diego Residents are getting more and more overworked each year – most are too tired to prepare meals for themselves and their families when they get home from work, so your restaurant is probably busier than ever. It's always good to have a steady stream of tables you want to turn over, but there are disadvantages to having a busy restaurant; the more your staff is running around trying to accommodate customers and their requests, the higher the tendency to make mistakes or cause accidents – both of which effect your bottom line. The best way to ensure that these kinds of mistakes and accidents don't negatively effect your business, is to have the correct restaurant insurance coverages in place before issues occur.