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.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
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.
Common questions.
What does restaurant property insurance cover?
Who insures my tenant improvements?
Is equipment breakdown included in property?
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.
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.