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Ghost & Virtual Kitchens

Insurance for ghost and virtual kitchens.

Ghost and virtual kitchens are delivery-only and shared-kitchen operations, which shifts the risk toward cyber, delivery and auto, food handling off premises, and shared-space contracts rather than a dining room.

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Ghost and virtual kitchen insurance centers on general liability, cyber and payment coverage, hired and non-owned auto for delivery, food contamination, and the certificate and contract requirements of shared-kitchen and delivery-platform arrangements.

Delivery-only changes the risk

With no dining room, the exposure shifts to the food leaving the premises: delivery and auto, food temperature and contamination, and the platforms that carry the orders. Hired and non-owned auto and food contamination coverage matter more than premises liability here.

Cyber and platforms

Ghost kitchens live entirely on apps, online ordering, and payment systems, so a breach or outage is a direct revenue event. Cyber and payment coverage is central, not optional, for a delivery-only model.

Shared space and contracts

Operating from a shared or commissary kitchen brings lease, certificate, and additional-insured requirements, and sometimes multiple brands under one roof. We line up the coverage with the shared-space and platform agreements.

Frequently asked

Common questions.

What insurance does a ghost kitchen need?
Usually general liability, cyber and payment coverage, hired and non-owned auto for delivery, food contamination, and the certificates a shared kitchen or platform requires.
Why is cyber so important for a ghost kitchen?
A delivery-only model runs entirely on apps and payment systems, so a breach or outage stops revenue directly. Cyber coverage addresses response, liability, and outage.
Do shared kitchens require certificates?
Usually yes. Shared and commissary kitchens require certificates and additional insured status, like any lease. We line your coverage up with the agreement.
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Does your coverage match how you operate?

Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.

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We match coverage to your concept and menu
We check liquor, delivery, and equipment exposure
We line up lease and certificate requirements
You get a clear read, no obligation
Related resources

Keep going.

Coverage

Cyber Insurance

Apps, ordering, and payments.

Coverage

Hired & Non-Owned Auto

Delivery vehicle exposure.

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Restaurant Coverage Review

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Independent, restaurant-first

Coverage for a delivery-only operation.

Tell us how your ghost kitchen operates and we will build coverage around delivery and platforms.

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