RESTAURANT INSURANCE · OREGON
From family restaurants and taquerías to cafés, caterers and food trucks, we compare coverage from several carriers so your kitchen, your staff and your customers are protected. Tell us about your restaurant and a licensed agent gets back to you, usually the same day, in English or Spanish.
A busy kitchen has its own risks: hot surfaces, slippery floors, expensive equipment and a walk-in full of inventory. A restaurant policy is built around those, so one bad night doesn’t close your doors.
Most restaurants get these bundled in a business owner’s policy (BOP), which usually costs less than buying them separately.
WHO WE INSURE
If you serve food in Oregon, there’s a good chance we can help.
Sit-down and counter-service restaurants, including Mexican and Latin American kitchens.
Breakfast spots, panaderías, coffee shops and dessert shops.
Counter-order restaurants with limited cooking or a simple menu.
Full kitchens, table service and private events.
Off-site events, prep kitchens and shared commercial kitchens.
Liability, equipment and commercial auto for mobile kitchens.
If your staff deliver food in their own cars, your restaurant can be held responsible for an accident. Hired and non-owned auto coverage protects the business in that situation, and commercial auto covers vans or trucks the restaurant owns.
Catering at other venues? Many event spaces ask for a certificate naming them as additional insured. We can usually send it the same day.
If alcohol is part of your menu, liquor liability covers claims when someone you served causes an injury or damage. Most general liability policies exclude it, and many landlords require it.
We focus on restaurants where food is the main business. If you’re opening a bar or nightlife venue, call us and we’ll tell you honestly what options fit.
MEET YOUR AGENTS
Co-Owner
German brings more than 20 years of insurance experience, helping Oregon families and small business owners protect what they’ve built. As an independent agency, we shop many carriers, so every client gets real options.
When he has time, he loves traveling back to El Salvador, where his family is from, and spending time with his grandkids.
Co-Owner
Before insurance, Daniel worked in construction project management, so he knows job sites, deadlines and the certificates contractors need to get to work. He’s licensed in property, casualty and life insurance, and he makes sure quotes come back fast and nothing falls through the cracks.
Off the clock, he still plays indoor and outdoor soccer all over the Portland metro.
As an independent agency, we’re not tied to one insurance company. We compare multiple carriers for you, so you get more options without making ten phone calls.
FAQ
It depends on your sales, seating, type of cooking, whether you serve alcohol, and your claims history. A small café pays much less than a full-service restaurant with a fryer and a bar. We compare several carriers so you see real prices.
If you have a space with equipment and inventory, a BOP is usually the better value because it bundles liability with property, spoilage and lost income. Food trucks and caterers without their own space may only need general liability plus auto.
General liability typically covers claims that a customer got sick from your food, including the legal costs to defend you. We’ll confirm how each carrier handles it when we quote.
Not by their personal auto policy alone. Hired and non-owned auto coverage protects the restaurant if a delivery driver causes an accident while working for you.
Yes. The form, the paperwork and every phone call can be in Spanish if you prefer.
It takes about two minutes. No obligation.
