Restaurant business interruption insurance.
When a fire, water loss, or equipment failure forces you to close, your expenses continue but your revenue stops. Business income and extra expense coverage is what keeps a shutdown from becoming a closure.
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Why restaurants need it
A restaurant has thin margins and high fixed costs, so even a short closure for fire or water damage can be financially serious. Business income coverage replaces the revenue you lose while closed, and extra expense helps cover the cost of reopening sooner, like temporary equipment or a temporary location.
The limit and the restoration period
The two things that decide whether business income is adequate are the limit and the period of restoration, the time the policy will keep paying. Restaurants often underestimate how long a full rebuild, including permits and custom kitchen work, actually takes, leaving the coverage short.
What can trigger it
Fire, water damage, and, with the right coverage, equipment breakdown that shuts you down can all trigger business income. Whether a specific cause is covered depends on your policy, which is why we check the triggers against your real exposure.
Common questions.
What is restaurant business interruption insurance?
How much business income coverage do I need?
Does it cover an equipment breakdown shutdown?
Is this coverage right on your policy?
Tell us how your restaurant operates and we will check this coverage against the way you actually run. Educational, no obligation.
Keep a shutdown from becoming a closure.
Tell us about your revenue and rebuild risk and we will check your business income limit and period.