Commercial
Restaurant insurance
One policy for the kitchen, the dining room, and everyone in them.
What it covers
The essentials, at a glance.
In practiceA fire in the kitchen damages the building and equipment, and property coverage pays to repair and reopen.
In practiceA customer slips (general liability) or an over-served guest causes harm (liquor liability), and both respond.
Not coveredA food-poisoning claim is professional liability, a distinct exposure to confirm.
In practiceA power or fridge failure spoils your stock, and spoilage and breakdown coverage helps with the loss.
Not coveredEveryday spoilage or waste isn't a claim, only loss from a covered breakdown.
In practiceA fire closes you for repairs, and business interruption replaces the income you couldn't earn.
Not coveredIncome lost to slow nights, not a covered event, isn't covered.
