Exposures to discuss
- Kitchen fire, smoke, and water damage
- Equipment and refrigeration breakdown
- Food spoilage and inventory loss
- Lost income during repairs
Restaurants · Commercial Property
Restaurant Property & Business Income Insurance
Property and income protection for restaurant buildings, kitchens, equipment, stock, and costly downtime.
Connect the coverage to the operation
A restaurant property loss can damage specialized cooking equipment, refrigeration, improvements, inventory, and revenue at the same time. Property values and business income assumptions should reflect the cost and timeline of restoring the entire operation.
Information to prepare
- Building and tenant-improvement values
- Cooking, refrigeration, and point-of-sale equipment
- Average and peak-period revenue
- Realistic repair and reopening timelines
Build a clearer submission
Accurate operational details, current values, loss history, and contract requirements help clarify the risk. Policy terms, limits, exclusions, eligibility, and availability vary by account and market.