top of page
Restaurant Insurance
for Family-Owned Restaurants
Whether you’re serving up tacos, pizza, or classic diner fare, your restaurant is more than just a kitchen – it’s your dream.
At Cajilema & Simpson , we help protect that dream by making sure you have the right insurance in place.
Many landlords require your restaurant to have insurance, so let’s get it done right the first time.
We Understand Restaurants Like Yours
As a family-owned restaurant, you put your heart into your food and your service. But what about the risks behind the scenes?
Customer slips and falls.
Kitchen fire
Delivery goes wrong
An employee gets injured.
That’s why you need more than just a basic policy — you need custom coverage that keeps your restaurant open and thriving, no matter what happens.
Coverages we offer
Here’s what we can help you with:
General Liability
Protects you if a customer gets hurt in your restaurant or if you damage someone else’s property.
Workers’ Compensation
Required in almost every state (including NJ) if you have employees, this covers medical bills and lost wages for work injuries.
Food Spoilage
Pays for lost inventory if your fridge or freezer fails.
Property Insurance
Covers your restaurant building, equipment, furniture, and even your sign.
Liquor Liability
If you serve alcohol, this covers your restaurant if a customer drinks too much and causes harm.
Business Interruption
If you need to close temporarily due to a fire or covered claim, this covers lost income.
Fast Quotes, Easy Process
Most of our clients come to us not knowing exactly what they need — that’s okay! We’re here to walk you through the process step by step, so you can keep doing what you love.
Quick responses & fast callbacks
Bilingual support in Spanish and English
2 locations for in-person service
Available Monday to Saturday, 9:30 am to 6 pm
Trusted by Restaurant Owners Like You
✅ 5 stars on Google – real reviews from real clients
✅ Access to several top-rated insurance companies
✅ We can help you meet landlord insurance requirements
✅ We’re experts at getting you the best coverage at the best price
Let’s Get Your Restaurant Covered
Give us a call today to protect your restaurant. We’ll take care of the details so you can focus on cooking up your next customer favorite!
bottom of page