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Restaurant Insurance in Mill Valley and San Francisco, CA

The Restaurant Business Package

Born from the culinary innovations of Alice Waters, our dazzling spectrum of ethnic cuisines, a plethora of celebrity chefs, and the products of our local farmers and purveyors, the Bay Area Restaurant scene has long been a source of pride for local residents. In San Francisco, great food and drink are not just expected, they are assumed. Owners, therefore, must be more focused than ever on the quality of the food and the service they offer. However, owners must also concentrate on protecting their business from unforeseen losses. Property losses can result from a multitude of causes, including fire, theft, and business interruption. Restaurants must also face the possibility of liability claims not only from customers, but also their employees.

With more than 40 years of experience providing insurance to Bay Area restaurants, cafes and caterers, Mill Valley Insurance helps owners manage the risks associated with operating a food service business. Our extensive range of carriers offer a variety of insurance programs specifically tailored to the needs of restaurant owners. Since each food service business is unique, Mill Valley facilitates the selection and customization of the insurance program best suited to each of our clients.

Restaurant Workers Compensation

California Law requires all business owner to have workers compensation insurance for their employees. Restaurant workers perform their jobs under high pressure of time and productivity, leaving them more susceptible to injury than many other job categories. Open flames, hot grease, and sharp knives are not only are the tools of the trade; they can also be the cause of the injuries that can keep your recovering workers away from their jobs.

Mill Valley Insurance assists restaurant owners control work related losses by advising them of carrier recommendations and by managing the claims process through recovery and return to work. Through loss control and claims management, Mill Valley does its utmost to help you in keeping your experience modifier as low as possible. The workers compensation insurance marketplace can be another source of uncertainty for the food service business, as it is volatile and particularly susceptible to the twists and turns of state politics. By continually monitoring the fluctuations of the workers compensation market, Mill Valley Insurance matches our customers to the appropriate carriers, affording our clients the best value for their insurance dollar.

Our Location

Mill Valley Insurance Services, Inc.

124 E. Blithedale Ave
Mill Valley, CA 94941
Main office: 415-389-7140

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.