Coverage restaurants commonly carry
- Property: building (if owned), leasehold improvements, kitchen equipment, furniture and stock
- Business interruption: lost income and continuing expenses after an insured loss
- Commercial general liability: customer injuries and product liability for the food you serve
- Liquor liability if you serve alcohol
- Food spoilage and equipment breakdown: for coolers, freezers and power or mechanical failures
- Crime: employee theft and cash on premises
- Commercial auto or hired and non-owned auto for catering and delivery
What insurers ask about
- Type of cooking (deep fryers and open flames), and fire suppression systems over cooking surfaces with service records
- Hood and duct cleaning frequency
- Alcohol sales as a percentage of revenue, and closing time
- Seating capacity, revenue and years of experience
Your lease
Commercial leases often require specific liability limits, tenant improvement coverage and naming the landlord as an additional insured. Send me the insurance clause and I’ll match it.
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.