BUSINESS INSURANCE · FOOD & HOSPITALITY
Restaurant & Franchise Insurance
Your place is more than a kitchen. Let's protect the people, property, equipment, and everyday operations that keep it running.
Sara Mirzaei Insurance Agency helps California restaurant owners review coverage for independent locations, franchise operations, cafés, coffee shops, and bakeries.
Built for the way you serve
A neighborhood bakery and a multi-location franchise may face very different risks. Your menu, equipment, lease, delivery model, staffing, and brand requirements all affect the conversation. We start with how your business actually operates, then help you review available insurance options and gaps worth asking about.
From quick-service counters to neighborhood favorites
We can discuss the insurance needs of a range of food businesses, including:
Franchise locations
We can help Restaurants and Franchise Owners with insurance options. That includes operators of concepts such as Wingstop, Jersey Mike's, Einstein Bros. Bagels, and Papa Johns, with attention to lease and franchisor insurance requirements.
Cafés & coffee shops
Think beyond the counter: customers, baristas, espresso equipment, inventory, and off-premises orders can all shape a coverage review.
Bakeries & local restaurants
From ovens and refrigeration to dining areas and staff, we'll help you consider the risks that matter to your location.
Brand names are examples of restaurant concepts only. Sara Mirzaei Insurance Agency is not affiliated with or endorsed by these brands.
Coverage worth putting on the table
The right mix depends on your operations, insurer eligibility, and policy terms. Here are common areas to review with our team.
Property & equipment
Review the building, tenant improvements, kitchen equipment, furniture, and inventory against your lease and replacement needs.
Liability & foodborne illness
Ask about covered guest injury, property damage, and food-related claims—and how exclusions and limits apply.
Interrupted operations
Discuss business income, extra expense, equipment breakdown, and spoilage options. Triggers and waiting periods vary by policy.
Workers' compensation
Review protection for employees injured on the job and your staffing, payroll, and classification details.
Delivery & vehicles
If your team delivers or runs errands, ask about commercial auto and hired/non-owned auto liability for the vehicles involved.
Digital & workplace risks
Consider cyber coverage for payment and customer data, and employment practices coverage for eligible workplace claims.
One review, grounded in your operation
Bring us your current policies, lease or franchise insurance requirements, location details, and a quick overview of your team and delivery setup. We'll help you identify questions to bring to insurers, compare available options, and understand what a proposed policy does—and doesn't—cover.
Have several locations? Tell us where they are and how each one operates so we can discuss the appropriate approach.
Restaurant insurance questions
Does a franchise agreement set insurance requirements? It may. Share your franchise agreement's insurance provisions and any landlord requirements so we can review the requested limits, endorsements, and certificates with you.
Will a shutdown or spoiled inventory be covered? It depends on the cause of the loss and the specific policy. Ask us to review business income, equipment breakdown, spoilage, and any applicable exclusions before relying on them.
What if we serve alcohol or use third-party delivery? Let us know. Liquor liability and delivery-related exposures can require separate review; available coverage depends on your business and insurer.
Let's talk about what's on your menu
Tell us about your restaurant, franchise location, café, coffee shop, or bakery. We'll follow up to discuss coverage options and next steps.