California Restaurant businesses pay $174–$725/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Los Angeles | $270–$1,124/mo | Compare → |
| San Diego | $252–$1,051/mo | Compare → |
| San Jose | $287–$1,196/mo | Compare → |
| San Francisco | $313–$1,305/mo | Compare → |
| Fresno | $218–$906/mo | Compare → |
| Sacramento | $226–$943/mo | Compare → |
| Long Beach | $252–$1,051/mo | Compare → |
| Oakland | $278–$1,160/mo | Compare → |
| Bakersfield | $209–$870/mo | Compare → |
| Anaheim | $244–$1,015/mo | Compare → |
| Riverside | $226–$943/mo | Compare → |
| Stockton | $218–$906/mo | Compare → |
| Irvine | $261–$1,088/mo | Compare → |
| Chula Vista | $235–$979/mo | Compare → |
| Santa Ana | $244–$1,015/mo | Compare → |
| Los Angeles County | $270–$1,124/mo | Compare → |
| San Diego County | $252–$1,051/mo | Compare → |
| Orange County | $258–$1,073/mo | Compare → |
| Riverside County | $226–$943/mo | Compare → |
| San Bernardino County | $223–$928/mo | Compare → |
| Santa Clara County | $287–$1,196/mo | Compare → |
| Alameda County | $278–$1,160/mo | Compare → |
| Sacramento County | $226–$943/mo | Compare → |
| Contra Costa County | $252–$1,051/mo | Compare → |
| Fresno County | $218–$906/mo | Compare → |
Restaurant businesses in California typically pay $174–$725/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
California doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Restaurant businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in California for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Restaurant policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for California cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.