Insurance
Restaurant Insurance
Kitchen risk, liquor liability, and the closure that finishes you.
Restaurants combine a high-hazard property exposure with thin margins and no room to close. A kitchen fire gives you property damage, lost equipment, spoiled stock and weeks of no trading. That last one is usually the biggest number by a distance.
Add liquor liability wherever alcohol is served, foodborne illness exposure, and a workforce with high injury frequency, and the programme has to be built for this specifically rather than adapted from a general retail policy.
What you get
Interruption sized properly
Against a realistic closure and reopening, including the slow ramp back up.
Equipment and spoilage
Breakdown and stock loss covered, both routinely underinsured.
Liquor liability
Dram shop exposure covered wherever you serve alcohol.
Foodborne illness
Including the reputation damage and closure costs beyond the claim itself.
Restaurant Insurance
Let's talk about restaurant insurance.
Cover for restaurants and food service: property with equipment breakdown and spoilage, liquor liability, foodborne illness, and interruption cover sized to a real closure.