How much business income coverage do I need?

Enough to cover the revenue and expenses for a realistic rebuild period. Restaurants often underestimate how long a full kitchen rebuild takes, so the limit and restoration period matter.

Does it cover an equipment breakdown shutdown?

It can, when paired with equipment breakdown coverage. Whether a specific cause triggers business income depends on your policy. We check the triggers.

Restaurant Business Interruption

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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Restaurant business interruption, or business income, coverage replaces lost revenue and covers continuing expenses when a covered loss forces you to close, and extra expense helps you reopen faster. The limit and the period of restoration are the details that decide whether it is enough.

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.

Restaurant business interruption insurance.

Why restaurants need it

The limit and the restoration period

What can trigger it

Common questions.

Is this coverage right on your policy?

Keep going.

Equipment Breakdown

Property Insurance

Restaurant Coverage Review

Keep a shutdown from becoming a closure.