Kitchen property and interruption
List cooking, refrigeration and point-of-sale equipment and inventory. Ask about covered causes of loss, equipment breakdown, spoilage, utilities and conditions for business income after covered damage.
Business insurance
Restaurant insurance
A restaurant's premises, kitchen, staff and service model create distinct insurance questions. Compare coverages against the actual operation.
Understanding your options
What to know about restaurant insurance
Restaurant coverage can involve several separate policies or endorsements. The building, cooking equipment, food inventory, customer claims, employees and delivery vehicles may have different terms and limits.
What to compare
- Identify the building, kitchen equipment and stock
- Check food spoilage, equipment breakdown and business income terms
- Discuss delivery, alcohol service and employee exposures separately
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Customers, food and alcohol
Review premises liability and how the policy treats food-related claims. If alcohol is served or sold, ask specifically about liquor liability; do not assume the general liability form covers it.
Staff and delivery
Explain whether employees or contractors deliver using business or personal vehicles. Review commercial auto, hired and non-owned auto, and employee injury arrangements in the applicable forms.
Before you reach out
A few details can help start the conversation.
- Describe dining, takeout and delivery activities
- List locations, equipment and lease requirements
- Note whether alcohol is served
Common questions
Restaurant insurance FAQ
Is spoiled food automatically covered?
No. Coverage may depend on the cause, equipment breakdown or utility provisions, waiting periods and any spoilage endorsement.
Does general liability cover serving alcohol?
Policy exclusions and a liquor liability endorsement or separate policy may matter. Disclose alcohol operations and review the actual forms.
Are delivery drivers' own cars covered?
Not automatically. Identify who owns each vehicle and how it is used, then review personal, commercial and any hired or non-owned auto terms.
Does property coverage replace lost income?
Only if applicable business income coverage is included and its conditions are met. Check covered causes, waiting periods and limits.
Start a conversation
Ask about restaurant insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.