Restaurants combine property, public, employee and liquor exposures, and a storm or outage can stop revenue quickly.
Coverages we usually review
- Property and business income
- General liability
- Liquor liability, if you serve alcohol
- Workers’ compensation
- Equipment breakdown and spoilage, when added
Where gaps often show up
- Spoilage after a utility outage
- Windstorm and flood
- Liquor liability is often excluded from general liability
Questions worth asking
- Does business income cover a utility outage or a closure?
- Do I need liquor liability?
- What is my windstorm deductible in dollars?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.