Start with how the business operates
Restaurant risks move quickly. The right program considers guests, employees, food service, delivery, property, and downtime.
Industry risks to discuss
- Kitchen fire and equipment breakdown
- Foodborne illness and guest injuries
- Liquor and employment-related liability
Coverage priorities
- Property and business income
- General and liquor liability
- Workers’ compensation and cyber
Prepare the Business to Continue After a Loss
- Identify the operation's single points of failure
- Estimate realistic restoration time rather than assuming an immediate reopening
- Plan alternate locations, suppliers, systems, equipment, and communication methods
- Coordinate continuity plans with business-income and extra-expense discussions
Connect the review to Michigan
Automotive, advanced manufacturing, logistics, construction, hospitality, restaurants, healthcare, and commercial property shape the economy.
Winter weather, freeze, wind, and hail
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Great Lakes and inland flood exposure
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Machinery, suppliers, fleets, and production interruption
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Questions for the planning discussion
What has changed?
Identify new services, locations, contracts, equipment, vehicles, staffing, revenue, ownership, and loss-control improvements.
Where could one event spread?
Review concentrations of people, property, vehicles, data, inventory, suppliers, customers, or revenue that could increase severity.
What evidence is available?
Use current schedules, written procedures, maintenance and training records, contracts, photographs, and currently valued loss history.
Frequently asked questions
Why should restaurants in Michigan use this business continuity?
It connects the industry's operations with regional conditions and a specific business continuity planning task. The goal is a more complete discussion of exposures, controls, coverage priorities, and next steps.
Does this guide confirm insurance availability or legal requirements in Michigan?
No. This is general educational planning information. Availability, eligibility, policy terms, licensing, and legal requirements must be confirmed for the individual account and jurisdiction.
Coverage descriptions are general. Eligibility, availability, terms, conditions, limits, deductibles, exclusions, and legal requirements vary by account, insurance market, and jurisdiction.