Restaurant Insurance for Food Service Businesses

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST


Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service. —Brian B.
A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help! —Doof R.


We work with all types of food service businesses including:

  • Fine Dining
  • Cafés
  • Delicatessens
  • Diners
  • Concessionaire
  • Buffets
  • Fast food
  • Coffee shops
  • Home style
  • Drive-ins
  • Causal Dining
  • Food trucks



Work with an Expert Who Knows Your Industry


Get Quotes from the Country’s Top-Rated Insurance Companies


Select Your Quote

Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right policy for your restaurant, food service business or bar. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping restaurants like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.

Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need General Liability Insurance, Liquor Liability Insurance, or Workers’ Compensation Insurance to comply with state laws, you can find it here.

We’ve already helped more than hundreds of Restaurants, Foodservice companies and bars–protect their community. Discover why they consistently rate us 4.9 out of 5 stars.

Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.

General Liability Insurance

This policy offers an array of liability coverage and ensures your business can survive an expensive court battle without depleting your personal finances. After all, it only takes one trip, fall, or hot-coffee burn to cost your bar, catering business, or fine-dining establishment big time.

Business Owner’s Policy

An insurance bundle offered only to small-business owners. A BOP packages General Liability Insurance, Property Insurance, and Business Interruption Insurance for less than you’d pay if you bought these policies individually.

Liquor Liability Insurance

Liquor liability coverage will protect your business from the high legal risks that come from the selling, manufacturing or consumption of alcohol on your premises.

Worker’s Compensation Insurance

This coverage can shield you from the high cost of medical bills related to your employees’ occupational injuries. Plus, most states require that employers carry the insurance if they have even one employee – full- or part-time.

Commercial Auto Insurance

Commercial auto insurance protects your business by covering liability claims arising from accidents in rented vehicles and covering liability claims arising from accidents in an employee’s personal vehicle while conducting business errands.

Property Insurance

Essential for business owners who own or rent commercial real estate or expensive equipment. For most food service professionals, both are true. From your building and furniture to your ovens, stoves, and refrigerators, you’ve invested a lot of money.


Top 5 Risks

  • Liquor liability
  • Food spoilage
  • Fire damage
  • Broken equipment
  • Slips and falls

Real Talk About Restaurants

Check out our blog for the latest news about managing risk for restaurants.

Sample Certificates

See a sample Certificate of Liability Insurance, the proof of coverage you need for most contracts.


What does Business Liability cover?

What is Liquor Liability and when do I need it?

Get answers from our experts

Contact Us. Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST