Small business insurance cost for restaurants and cafés in California
A typical small restaurants and cafés business in California with two employees and about $250,000 in revenue can expect to pay roughly the range below. Your own price will move up or down with your size, claims history, and coverage limits.
Typical total, per month
About $1,834–$3,056 per year for a business owner’s policy and workers’ compensation.
Cost by policy type
| Policy | Per month |
|---|---|
| General liability | $53–$88 |
| Business owner’s policy (liability plus property) | $72–$120 |
| Workers’ compensation (2 employees) | $81–$135 |
What drives the price for restaurants and cafés
Slips, burns, and foodborne illness claims drive general liability, and kitchen equipment and inventory drive property costs.
What to know in California
California requires workers’ compensation as soon as you have any employees, and it is among the higher-cost states for both liability and compensation coverage.
Tips before you buy
- If you serve alcohol, ask about liquor liability, which general liability usually excludes.
- Spoiled food after a power outage is a common loss. Ask whether food spoilage coverage is included.
- A business owner’s policy often costs less than buying liability and property separately.
More guides
- Restaurants and Cafés in Texas
- Restaurants and Cafés in Florida
- Restaurants and Cafés in New York
- Contractors and Trades in California
- Salons and Spas in California
- Cleaning Services in California
- Retail Shops in California
- Consultants and Offices in California
These figures are rough estimates for planning only, not quotes, offers, or insurance advice. Actual prices depend on the insurer and your specific business. Check with a licensed agent before you buy.