What kind of business insurance should I consider as an owner of a small restaurant in California to protect myself from liability and potential lawsuits?

As the owner of a small restaurant in California, there are several types of business insurance you should consider to protect yourself from potential liability and lawsuits.

1. General Liability Insurance: This insurance is designed to protect you from claims of bodily injury or property damage that may occur on your business premises. It can also cover claims of defamation, false advertising, and copyright infringement.
2. Workers' Compensation Insurance: If you have employees, workers' compensation insurance is required by law in California. This insurance covers medical expenses and lost wages if an employee is injured or becomes ill as a result of their job.
3. Liquor Liability Insurance: If you serve alcohol at your restaurant, liquor liability insurance can protect you from lawsuits related to injuries or property damage caused by an intoxicated patron of your establishment.
4. Employment Practices Liability Insurance: This insurance can protect you if an employee sues you for wrongful termination, discrimination, or harassment.
5. Cyber Liability Insurance: As technology becomes more integrated into business operations, cyber liability insurance can protect you from losses related to data breaches or cyber attacks.

It is important to note that insurance policies have limitations and exceptions, so it is crucial to carefully review the terms of each policy to ensure they provide the necessary coverage for your business. Additionally, it may be advisable to consult with a licensed attorney to discuss additional strategies for protecting your business from legal liability.