Insurance for BBQ and smokehouse restaurants.
BBQ and smokehouse restaurants run smokers, open flame, and long cook times, which raises fire and equipment exposure well above a typical kitchen. Property, equipment breakdown, and the right fire protection are the center of the program.
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Fire and the smoker
Smokers, wood and charcoal, and long unattended cook times make fire the defining exposure for a BBQ operation, sometimes with outdoor or detached smoke houses. Property coverage and adequate fire protection matter more here, and carriers look closely at how smoking equipment is set up and maintained.
Equipment and business income
Smokers, refrigeration, and prep equipment are expensive and essential, and a breakdown or fire can halt a pit operation and spoil inventory. Equipment breakdown, spoilage, and business income protect the gear, the stock, and the revenue if a loss forces a closure.
The rest of the program
BBQ restaurants still carry the usual restaurant exposure, premises liability, staff, and often alcohol and catering. We build the program around the fire and equipment risk while covering the dining room, the team, and any catering or alcohol service.
Common questions.
What insurance does a BBQ restaurant need?
Why is fire exposure higher for BBQ?
Is my inventory covered if a fire or breakdown hits?
Does your coverage match how you operate?
Tell us how your restaurant runs and we will check your coverage against the way you actually operate. Educational, no obligation.
Coverage built around the pit.
Tell us how your BBQ operation runs and we will build coverage around the fire and equipment risk.