Connect coverage to the actual operation
Quick-service restaurants can have high transaction volume, young or changing workforces, drive-through traffic, delivery relationships, specialized equipment, and strict franchise or lease requirements.
Risks to review
- Cooking, grease, refrigeration, and equipment loss
- Drive-through, parking lot, and premises incidents
- Employee injury, turnover, and delivery exposure
- Point-of-sale, payment, and business interruption
Information to prepare
- Sales, transactions, hours, drive-through, and delivery details
- Cooking equipment, suppression, cleaning, and maintenance
- Employee count, payroll, training, and safety practices
- Franchise requirements, equipment values, and recovery plans
Frequently asked questions
Does third-party delivery remove the restaurant's auto exposure?
Not automatically. Contracts, employee delivery, hired and non-owned auto use, and the actual arrangement should be reviewed.
Why do drive-through controls matter?
Vehicle and pedestrian flow, signage, lighting, property layout, and incident procedures can affect premises and auto-related exposure.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.