protects movable assets inside your business, like kitchen equipment, furniture, inventory (food, liquor), and decor, from theft, fire, or other covered losses. Example: Thieves break in and steal your high-end espresso machine and liquor stock. BPP coverage reimburses you to replace them quickly. Example: A burst pipe soaks your tables and chairs. This policy covers the cost of new furniture so your dining room is back in action.

If you rent your space and have invested in upgrades like custom bars, lighting, or kitchen setups, this covers repairing or replacing those improvements after a covered loss. Example: You’ve built a sleek bar counter in your leased space, and a fire damages it. Tenant improvements coverage pays to rebuild it to your design. Example: A flood ruins the custom flooring you installed in your rented restaurant. This policy covers the cost to replace it, beyond basic repairs.

An insurance add-on for restaurants and bars that pays for the repair or replacement of essential equipment, such as refrigerators, ovens, or HVAC systems, damaged by mechanical failure, electrical surges, or other covered events. It often includes associated losses like spoiled inventory or business income lost during downtime, subject to policy limits. Examples: Freezer Failure: A restaurant’s walk-in freezer suffers a mechanical breakdown, requiring $8,000 in repairs and causing $5,000 in spoiled food losses; equipment breakdown coverage reimburses both the repair costs and the value of the spoiled inventory. Electrical Surge: A bar’s point-of-sale system and ice machine, valued at $12,000, are damaged by an electrical surge; the coverage pays for repairs and compensates for business income lost while the equipment is offline.

Reimburses lost revenue and covers ongoing expenses (like rent or payroll) if your business is interrupted by a covered event, like a fire or storm, that forces you to close temporarily. Example: A grease fire shuts down your kitchen for a month while repairs are made. Loss of income coverage replaces the revenue you’d have earned from diners. Example: A hurricane damages your patio, closing your bar for weeks. This policy covers your fixed costs and lost profits until you reopen.

An insurance add-on for restaurants that reimburses the cost of perishable inventory, like food and beverages, lost due to events such as power outages or equipment failures, typically up to a policy limit. Examples: A restaurant loses $10,000 in seafood and produce when a refrigerator breaks down overnight; spoilage coverage pays to replace the inventory. A power outage from a storm spoils $3,000 worth of dairy and meat in a diner’s cooler; spoilage coverage covers the replacement costs.

This insures your building (if you own it) against risks like fire, theft, vandalism, or natural disasters, helping you repair or rebuild without draining your finances. Example: A kitchen fire damages your restaurant’s dining area and forces a temporary closure. Property coverage pays for repairs to get you back open. Example: A storm floods your bar, ruining flooring and furniture. This policy covers the cost to replace or repair the damaged property.