Restaurants & Cafes Insurance
Commercial Property Insurance
for Restaurants & Cafes
Kitchen equipment, point-of-sale systems, furniture, and your leasehold improvements represent a major investment. Commercial property insurance protects everything in your restaurant from fire, theft, storm, and vandalism — and can include food spoilage coverage for perishable inventory.
Industry-Specific Insight
Why Restaurants & Cafes Businesses Need Commercial Property Insurance
Kitchen equipment, point-of-sale systems, furniture, and your leasehold improvements represent a major investment. Commercial property insurance protects everything in your restaurant from fire, theft, storm, and vandalism — and can include food spoilage coverage for perishable inventory.
Coverage Details
What Commercial Property Insurance Covers
Key protections included in a commercial property policy for restaurants & cafes operations.
FAQs
Common Questions from Restaurants & Cafes Businesses
Does commercial property cover my commercial kitchen equipment?
Yes. Ovens, fryers, refrigerators, prep equipment, and other kitchen assets are covered under the business personal property portion of your commercial property policy.
Will property insurance cover food spoilage after a power outage?
Standard commercial property doesn't include spoilage automatically. A spoilage coverage endorsement is available and is highly recommended for restaurants.
Does commercial property insurance cover flood or earthquake damage?
Standard commercial property policies typically exclude flood and earthquake damage. Separate coverage is available and may be worth considering depending on your location. A licensed agent can help you assess your exposure and find appropriate coverage.
What's the difference between replacement cost and actual cash value?
Replacement cost coverage pays what it costs to replace or rebuild damaged property at today's prices, without depreciation. Actual cash value accounts for depreciation, meaning you may receive less for older items or equipment. For most businesses, replacement cost is the preferred option.
Complete Coverage
Other Coverages Restaurants & Cafes Businesses Commonly Need
A complete protection plan for restaurants & cafes operations typically includes several complementary coverages.
Restaurants & Cafes · Commercial Property
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