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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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.
Common questions.
What insurance does a ghost kitchen need?
Why is cyber so important for a ghost kitchen?
Do shared kitchens require certificates?
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.
Coverage for a delivery-only operation.
Tell us how your ghost kitchen operates and we will build coverage around delivery and platforms.