A restaurant insurance review should follow the way the business operates: preparing food, serving guests, maintaining equipment, managing staff and keeping revenue flowing. A package policy can be useful, but its name does not establish protection for every activity.
Use these questions to review your current program before expanding services or renewing coverage.
How is alcohol service insured?
If you sell or serve alcoholic beverages, ask about liquor liability protection. Review the insured activities, locations, limits and exclusions. Off-site catering and special events should be discussed separately rather than assumed included.
Travelers’ food and beverage insurance guidance identifies liquor legal liability as a distinct coverage area for alcohol-related injury or property damage claims.
What happens when refrigeration or equipment fails?
Ask how the policy treats equipment breakdown, spoiled stock and related expenses. Identify the covered causes, deductibles and sublimits. A refrigerator failure and a power interruption may involve different policy conditions.
Keep equipment and inventory values current, especially before periods when you carry more stock.
How would income recover after a covered loss?
Review business income and extra expense terms, including the covered event, waiting period, limit and restoration period. Consider time needed for repairs, inspections, replacement equipment and reopening. Ask about dependence on utilities or outside suppliers.
Are delivery and catering reflected in the program?
Describe business-owned vehicles, employees using personal cars, third-party delivery arrangements and off-site food service. Review auto, liability and property responsibilities against the actual arrangements and contracts.
Are building and contents values still accurate?
Bring your lease, improvements, equipment list and contents values. Confirm who is responsible for the building and which property belongs to the landlord. Review flood and other exposures separately from standard property protection.
Preguntas que hacen los propietarios
Does a restaurant package cover every loss?
No. Policies have limits, exclusions and conditions. Specific operations and losses need to be checked.
When should I review coverage?
Discuss changes when you add delivery, alcohol service, catering, locations or major equipment—not only at renewal.
Keep protection connected to your operation
All Assured Solutions helps restaurant owners identify gaps across separate policies. Explore restaurant and food service protection or start a business risk assessment.
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