Restaurant Crime Insurance for Cash & Inventory Theft
What Is Crime Insurance?
Restaurant crime insurance protects your business from financial losses due to theft, fraud, burglary, and employee dishonesty. Whether it’s stolen cash from your register, inventory disappearing from storage, or fraudulent vendor payments, crime-related losses can be devastating to restaurant operations.
Standard property insurance usually doesn’t cover internal theft or dishonest acts. That’s why restaurants in California—and across the U.S.—are turning to specialised crime insurance policies for comprehensive protection against:
Employee theft or embezzlement
Cash register and safe break-ins
Inventory theft (food, liquor, supplies)
Forgery or electronic fund fraud
Burglary or robbery during and after business hours
Why California Restaurants Need Crime Insurance
Restaurants are high-risk environments for theft. High cash volume, constant inventory movement, and high employee turnover create vulnerabilities. In cities like Los Angeles, San Francisco, and Oakland, where theft-related crime is rising, restaurants need extra protection beyond what general liability provides.
Common real-world threats include:
Servers or cashiers stealing from the till
Kitchen staff walking out with premium meats or alcohol
Burglary of POS systems, safes, or tip jars after hours
Managers falsifying vendor payments or refunds
Delivery scams or forged checks from suppliers
How Crime Insurance Protects Cash, Inventory, and Digital Assets
A well-structured California restaurant crime policy will protect:
On-premises cash: Theft from registers, safes, and tip jars
Off-premises cash: Coverage during bank drops or catering events
Inventory theft: Stolen ingredients, liquor, cleaning supplies, etc.
Employee dishonesty: Embezzlement, skimming, and internal fraud
Vendor fraud: Forged checks, fake invoices, or redirected payments
Electronic theft: Hacked transfers, payment fraud, or POS scams
Enhance Your Business Owner’s Policy with These Additional Coverages
Workers’ Compensation Insurance
In most states, you're legally required to carry workers' compensation insurance to cover employee expenses related to work-related injuries or illnesses, including medical bills, lost wages, and rehabilitation.
Professional Liability Insurance
Professional liability insurance protects you and your business if you're accused of negligence in the services you provided—even if no actual mistake was made. It offers peace of mind by covering legal costs and potential damages, helping you maintain your reputation and financial stability.
Commercial Auto Insurance
Commercial auto insurance covers expenses resulting from an accident when you or your employees are at fault. If vehicles are used for business purposes, carrying appropriate commercial vehicle insurance is essential.
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