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Restaurant Property Insurance

Restaurant property insurance.

Your buildout, kitchen equipment, refrigeration, furnishings, and inventory are often your biggest insured values, and as a tenant your improvements may be your responsibility, not the landlord's.

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Restaurant property insurance covers your building or tenant improvements, kitchen equipment, furnishings, and inventory against covered causes of loss like fire and water damage. Valuation, tenant-improvement responsibility, and equipment-breakdown gaps are the issues that matter most.

What a restaurant insures

Property coverage protects the physical side of the business: the buildout and tenant improvements, kitchen equipment, refrigeration, furnishings, and food inventory. For most restaurants these values are concentrated and expensive, so getting the limits right matters.

Tenant improvements and valuation

As a tenant, the improvements you paid for, the kitchen, the finishes, the build-out, are often your responsibility to insure, not the landlord's. Undervaluing them, or assuming the landlord covers them, is a common and costly gap.

Where property stops

Basic property often does not cover mechanical or electrical breakdown of equipment, or spoilage of perishable stock. Those gaps are filled by equipment breakdown and spoilage coverage, which we check alongside the property limit.

Frequently asked

Common questions.

What does restaurant property insurance cover?
Your buildout, tenant improvements, kitchen equipment, furnishings, and inventory against covered causes of loss like fire and water damage. Limits and valuation are the key issues.
Who insures my tenant improvements?
Often the tenant, not the landlord. The improvements you paid for are typically yours to insure, and assuming otherwise is a common gap. We confirm who covers what.
Is equipment breakdown included in property?
Usually not. Mechanical and electrical breakdown is a separate equipment breakdown coverage, and spoilage is separate too. We check both alongside property.
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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.

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We confirm the coverage is there and adequate
We check the exclusions that matter for restaurants
We line it up with your lease and operations
You get a clear read, no obligation
Related resources

Keep going.

Coverage

Equipment Breakdown

Refrigeration, ovens, and HVAC.

Coverage

Business Interruption

Income while you rebuild.

Tool

Restaurant Coverage Review

See where your program stands.
Independent, restaurant-first

Insure the buildout, equipment, and stock correctly.

Tell us about your space and equipment and we will make sure the values and gaps are right.

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