Running a restaurant is more than just great food and ambiance—it's a high-energy business full of flavor and risk. From the sizzle of the kitchen to the rush of the dinner crowd, every day brings new opportunities—and potential liabilities.
At Rincon Insurance Agency, we’re here to help restaurant owners like you protect what you’re building. Whether you're flipping your first burger or launching your next fine dining concept, our tailored restaurant insurance solutions offer unbeatable value, coverage, and support.
Restaurants face a unique set of risks: kitchen fires, slip-and-falls, equipment breakdowns, liquor liability, and employee injuries—to name a few. One incident could cost you thousands if you're not properly protected.
With Rincon Insurance Agency, you're not just buying a policy. You're investing in your future—and protecting your passion.
We partner with top-rated insurance carriers across the country to give you the most competitive rates on the market—without sacrificing the quality of your coverage.
From morning lattes to late-night slices, we specialize in insuring all kinds of restaurants. Our flexible policies are built for:
☕ Bagel Shops
🍩 Donut Shops
🍦 Ice Cream & Yogurt Shops
🥨 Pretzel Shops
🥤 Smoothie & Health Drink Bars
🍔 Fast Food Franchises
🍽️ Fine Dining Restaurants
🍕 Pizzerias
🍽️ Family Sit-Down Diners
🥗 Fast Casual & Bistros
🧁 Coffee Shops & Cafés
…and so many more!
Big or small, niche or popular, we understand your business model and offer custom protection that fits your exact needs.
Here's a taste of what we offer:
General Liability – Covers accidents like customer injuries or property damage.
Commercial Property – Protects your kitchen equipment, furniture, signage, and more.
Workers’ Compensation – Required in CA to cover employee injuries.
Liquor Liability – Vital if you serve beer, wine, or spirits.
Food Spoilage & Equipment Breakdown – For those unexpected losses.
Business Interruption Insurance – Covers lost income if you have to temporarily close.
Cyber Liability – If you take online orders or store customer payment data.
And the best part? We help you customize your plan so you’re only paying for what you need—no more, no less.
✅ Competitive Rates from Top Carriers
✅ Local Experts Who Know the CA Restaurant Scene
✅ Custom Policies for Every Restaurant Type
✅ Fast, Friendly Service When You Need It Most
As your trusted insurance broker, we’re here to help you grow, protect, and thrive. We shop the market so you don’t have to—saving you time, money, and stress.
Disclaimer: This blog post is intended for informational purposes only and does not constitute legal, financial, or insurance advice. Coverage needs and requirements can vary based on individual circumstances, event details, and state regulations. For tailored recommendations and policy guidance, please consult with a licensed insurance professional. Rincon Insurance Agency provides services specifically within the state of California.
