You built something real.We make sureone hard day cannot take it from you.
You poured years into your restaurant. We are the independent, bilingual broker that protects it. We shop many carriers, not just one, and we explain every policy in plain language, in English or Vietnamese, so you know exactly what you are covered for before you ever need it.
- Independent, many carriers
- English and Vietnamese
- Restaurant specialists
- Local to Little Saigon
The fear is not the fire. It is finding out after.
You think you are covered, but no one explained it
Most owners learn what their policy really says on the worst day, after a loss. When the paperwork was only ever in English, it is easy to believe you are protected when you are not. We explain it, we do not just translate it, so there are no surprises when it matters most.
One agent, one company, one set of options
A captive agent can only sell you what their single company offers. If that one carrier is not a fit for a restaurant, or the price climbs, you are stuck. As an independent broker, we compare many carriers and find the coverage that fits how you actually run your kitchen.
Generic policies miss how restaurants really lose money
A walk-in cooler that fails overnight, a slip in the dining room, a worker hurt on the line, a city closure on your block. These are the real risks a one-size policy often leaves open. We build coverage around the way a restaurant works, not a template.
Coverage built around a working kitchen
These are the protections restaurant owners ask us about most. We help you understand each one, then put together the mix that fits your place.
Workers compensation
If you have even one employee in California, workers comp is required by law. It covers medical bills and lost wages when a worker is hurt on the job. We also help you classify your staff correctly so an audit does not hand you a surprise bill.
Property and general liability (BOP)
This protects your building, equipment, and inventory, and covers you if a customer is injured on your property. Most landlords and lenders require it before you can sign a lease or open the doors. We bundle it to fit your space.
Liquor liability
If you serve beer, wine, or run a full bar, your landlord and your city will usually require liquor liability. It protects you if a guest you served causes harm. We match the coverage to your license and how you serve.
Food spoilage and equipment breakdown
When a cooler, oven, or compressor fails, you can lose a freezer full of product and days of business. This is the gap most owners do not know they have. We help you cover spoiled inventory and the cost to repair or replace the equipment.
Business interruption
If a covered event forces you to close, this helps replace the income you lose while you are shut down. It can also apply when a civil authority, like the city or county, closes your block. It keeps payroll and rent moving while you recover.
Employment practices and commercial auto
Employment practices liability (EPLI) protects you from claims tied to hiring, firing, and workplace disputes. And if you cater, deliver, or run a food truck, commercial and hired or non-owned auto covers the driving your business depends on. We add what your model needs.
Why independent and bilingual matters for you
A captive agent works for one insurance company. We work for you. Being independent means we can shop many carriers to fit your restaurant, and being bilingual means you actually understand what you are buying. That combination is rare, and for a restaurant owner it changes everything.
We shop many carriers, not one
Because we are independent, we are not tied to a single company's products or prices. We compare options across many carriers and bring you the coverage that fits how your restaurant runs and what your landlord and lenders require.
We explain it, we do not just translate it
Bilingual service is about respect, not just words. We walk you through your coverage in English or Vietnamese, line by line, so you understand what is protected and what is not before you sign, not after a loss.
We know restaurants
We specialize in restaurants and food businesses, so we know the risks a general agent overlooks. From spoilage to liquor liability to worker classification, we build coverage around the way a kitchen really operates.
Who we serve
We protect food businesses of every kind across Orange County and Little Saigon, first generation and second.
- Pho and full-service restaurants
- Banh mi shops
- Boba and Vietnamese coffee cafes
- Bakeries
- Seafood restaurants
- Catering businesses
- Food trucks
Explore restaurant coverage
How it works
- 1
Tell us about your restaurant
Tell us what you want to protect. Your building, your equipment, your staff, your liquor service, your trucks. In English or Vietnamese, on the phone or in person. No insurance jargon required.
- 2
We shop and explain
We compare coverage across many carriers and walk you through your options in plain language, in your language. You will understand exactly what each policy covers, and what it costs, before you decide anything.
- 3
You stay protected and keep cooking
Once you choose, we handle the paperwork, track your renewal dates, and stand with you at audit and at claim time. You run your restaurant. We handle the insurance. Done for you.
Common questions
Do you really speak Vietnamese, or just use a translator?
We serve you directly in Vietnamese or English, from your first quote through a claim. This is not a translation app or a one-time greeting. We explain your coverage line by line in the language you are most comfortable with, so you fully understand what you are buying.
What makes an independent broker different from my current agent?
A captive agent can only offer products from the one company they represent. As an independent broker, we work with many carriers, so we can compare options and find coverage that fits your restaurant instead of fitting you into a single company's plan. If one carrier raises prices or is not a good match, we have other options.
I have a small shop. Do I really need all of this?
Not every restaurant needs every coverage. In California, workers comp is required once you have an employee, and most landlords and lenders require property and liability. Beyond that, we help you decide what fits your size and how you operate. We will tell you honestly what you need and what you do not.
What happens at a workers comp audit?
An audit reviews your payroll and how your staff is classified to set your final premium. Surprises usually come from incorrect classification. We help you classify your team correctly from the start and prepare for the audit, so you are far less likely to face an unexpected bill at the end.
How do I get started?
Request a free quote or call us, in English or Vietnamese. We will ask a few questions about your restaurant, shop carriers for you, and walk you through your options in plain language. There is no pressure and no cost to get a quote.
Protect what you worked so hard to build.
Get a free, no-pressure quote from an independent, bilingual broker who knows restaurants. We will compare carriers for you and explain every option in English or Vietnamese, so you know exactly what you are covered for. Insurance. Done For You.
(714) 421-4658 · info@doneforyouins.com