Restaurant equipment breakdown insurance.
Refrigeration, ovens, HVAC, and POS systems fail mechanically and electrically, and basic property coverage generally will not pay for that. Equipment breakdown does, and it can cover the spoilage that follows.
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The gap it fills
Standard property insurance covers external causes like fire and water, but generally excludes a compressor that burns out or a control board that fails. Equipment breakdown fills that gap for the systems a restaurant cannot operate without: refrigeration, ovens, fryers, HVAC, and increasingly POS.
Spoilage and income follow the breakdown
When refrigeration fails, the loss is rarely just the equipment, it is the spoiled inventory and sometimes a forced closure. Equipment breakdown can extend to that resulting spoilage and lost income, which is why it pairs with spoilage and business income coverage.
Why restaurants overlook it
Because it sits between property and other coverages, equipment breakdown is easy to assume you have when you do not. For an equipment-dependent business like a restaurant, confirming it is in place is one of the higher-value checks in a review.
Common questions.
What does equipment breakdown cover for a restaurant?
Isn't my equipment covered by property insurance?
Does equipment breakdown cover spoiled food?
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.
Cover the breakdowns property insurance won't.
Tell us about your equipment and we will confirm breakdown and spoilage are actually covered.