Commercial Property Insurance for Restaurants

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Commercial property insurance for restaurants safeguards your business by covering the physical assets that keep your restaurant running smoothly.

What Is Commercial Property Insurance?

Commercial property insurance is a specialized policy designed to protect the physical assets of your restaurant from risks such as fire, theft, vandalism, or certain natural disasters. It ensures you can repair or replace damaged property, minimizing downtime and financial strain.

What Does Commercial Property Insurance Cover?

Commercial property insurance provides financial protection for the physical components of your restaurant. It covers key assets, including the building, equipment, furniture, inventory, and more:

The Building Structure

Covers damage to the restaurant building due to fire, storms, vandalism, or other covered events.
Protects permanent fixtures like walls, ceilings, plumbing, and electrical systems.

Inventory & Supplies

Protects food, beverages, and supplies from damage caused by fire, water leaks, or power outages.
Reduces financial loss from spoiled or unusable inventory.

Equipment Coverage

Includes essential kitchen equipment such as ovens, refrigerators, freezers, and dishwashers.
Covers repair or replacement costs for equipment damaged by covered perils.

Furniture & Fixtures

Covers tables, chairs, booths, bar stools, light fixtures, and other furnishings.
Extends to outdoor furniture if included in the policy.

Signage

Protects exterior and interior signage from damage due to vandalism, storms, or accidents.

What Risks Are Covered by Commercial Property Insurance?

Risk Factor	Description	Protection Provided
Theft	Covers losses from stolen equipment, inventory, or assets.	Theft of electronics, kitchen tools, or cash registers.
Fire Damage	Protects against damage from fires to building, equipment, or inventory.	Repair, restoration, and replacement costs for fire-related damage.
Vandalism	Covers damages caused by intentional destruction like graffiti or broken windows.	Costs to repair or replace vandalized property.
Weather-Related Damage	Protects against damage from wind, hail, or lightning.	Repair costs for outdoor elements like signs, awnings, or patios.

What’s Not Covered?

While commercial property insurance provides extensive coverage, certain risks and incidents are typically excluded, including:

Exclusion	Description
Floods and Earthquakes	Require separate insurance policies for coverage.
Normal Wear and Tear	Routine maintenance and depreciation are not covered.
Employee Theft	Needs additional crime insurance for coverage.
Intentional Damage	Losses resulting from intentional acts or fraud are excluded.

Commercial Property Restaurant Insurance Costs

The cost of commercial property insurance for restaurants varies based on factors like the size of your business, location, and the value of your assets. Typical costs range from:

Small Restaurants: $1,200–$2,500 annually.

Mid-Sized Restaurants: $2,500–$5,000 annually.
Large Restaurants: $5,000+ annually.

Other Restaurant Insurance Policies to Consider

To fully protect your restaurant, consider pairing commercial property insurance with other essential policies:

General Liability Insurance: Covers customer injuries and property damage.
Business Interruption Insurance: Replaces lost income during temporary closures.

Liquor Liability Insurance: Protects against claims related to alcohol service.
Workers’ Compensation Insurance: Covers employee injuries and lost wages.

Get Property Insurance Quotes

If you want policy advice or an exact cost for your family restaurant, we encourage you to get in touch with our agents today.

We understand restaurant insurance and the immense risks they take when they provide their necessary services. Our agents can reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive, so please take the time to call us to review your quotes.

We provide the finest comprehensive plans for your restaurant business by providing: