Restaurant Insurance Coverage
- Get coverage for your restaurant so you can focus on preparing your best dishes.
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What does restaurant insurance cover?
Restaurants face many risks that can disrupt your business. If things go wrong, restaurant insurance can help cover unexpected costs.
When Restaurant Insurance Helps
Having restaurant insurance is important. If your restaurant closes due to a covered loss or faces a lawsuit due to a claim, restaurant business insurance may help cover costs.
Resource
Want to learn more about food safety? Our FDA-approved top food safety tips will keep you and your customers healthy.
Contaminated Food
You purchased lettuce that was unknowingly contaminated. The lettuce is used in salads served to customers. After eating that salad, a restaurant customer gets sick. You need to replace the contaminated food. Restaurant business insurance can cover the cost of replacing contaminated food with our coverage.
Spoiled Food
There is a power outage in your restaurant's neighborhood and some of your food spoils. Our optional restaurant insurance coverage helps pay for perishable stock loss caused by a power outage. This includes losses caused by changes in temperature or humidity caused by power outages that you can't control. Coverage is available under restaurant enhancement endorsement or available as its own coverage.
Extra Business Expense
After making a spoilage claim, you have to throw away the spoiled product. You'll also need to go to the vendor with a rush request to replace the spoiled product. You encounter extra expenses because of the rush request. This extra expense can be covered by extra business expense coverage.
The Restaurant Must Temporarily Close
Your restaurant has to close down while your kitchen equipment is being repaired after lightning caused your appliances to fail. If your restaurant needs to shut down due to a covered event, restaurant insurance can help cover the loss of income. It can cover loss of income, employee wages and other operating expenses.
Frequently Asked Questions
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
**Not available in all states.