The short answer is that every business in the area needs OC insurance. Numerous businesses come to Orange County for the potential of high profits, but you need to be protected in case anything happens. Restaurants face unique risks other types of organizations do not have to deal with. For example, other businesses might have inventory they can keep stored away. A restaurant will have food stored away, and if anything happens to spoil that food, then you will have lost all your potential profits. Something like the freezer breaking down over night can force you to throw everything away, but a comprehensive insurance policy will provide you with coverage to replace all the spoiled food.
Everything from retail stores to office buildings need to be covered. Companies in the hospitality industry, namely hotels, also need coverage. Hotels are expected to provide a certain quality of service to guests, and if for any reason you cannot provide that service, you will be thankful you have an OC insurance policy in place. Bed bugs or other pests coming into the rooms can force you to turn away guests and not make any profits. In the event a guest slips by the pool and brings a lawsuit to your company, you can use a good insurance policy to cover most or all the legal fees.