Insurance for San Diego restaurants, bars, and hospitality.

Why this matters for Hospitality & Restaurants

High-foot-traffic San Diego hospitality zones Gaslamp, Little Italy, La Jolla, Del Mar, North Park, Coronado, Carlsbad Village carry higher premiums but also require the most specialized coverage. Liquor liability is non-negotiable for anyone pouring drinks, and workers comp for tipped employees has specific class-code nuances we handle routinely.

Key exposures we build coverage for

• Liquor liability Legally required for venues that serve alcohol; critical even for beer-and-wine-only operations.
• Slip-and-fall / general liability Patron injury is the #1 commercial claim in hospitality.
• Food contamination / spoilage Covers lost inventory from a power outage or contamination event.
• Business interruption Critical when a kitchen fire or health-code issue shuts you for weeks.
• Workers comp for tipped employees Tips are payroll for WC we classify correctly so audits don’t sting.
• Commercial auto (catering/delivery) Hired/non-owned auto when you use employee vehicles; owned commercial auto for catering vans.

Why Simple Lane

We write restaurants from food trucks to 200-seat Gaslamp operations with carriers that specialize in hospitality and price accordingly.