Food Contamination, Recall, and Utility Interruption
Three coverages for three different bad days, and none of them are standard. Here is what each one does.
Commercial Property and Tenant Improvements
Your buildout is your property to insure even though it is attached to someone else’s building. Here is how to value it.
General Liability for a Restaurant
The foundation policy, and the four exclusions that matter most in hospitality. What it covers and where it stops.
Equipment Breakdown and Food Spoilage
When a walk-in fails, two coverages matter and property alone is not one of them. How each works and where they meet.
The Workers Compensation Audit, Explained
The year-end bill catches restaurants off guard more than most. Here is what the audit checks and how to make it accurate.
How Much Does Restaurant Insurance Cost?
Eight factors set a restaurant premium and the concept matters more than the size. What moves it and what you control.
What to Line Up Before You Open
The lease dictates part of it, the buildout dictates another part, and some of it has to exist before you sign. Here is the sequence.
Business Income for a Restaurant
The coverage that decides whether a closed restaurant reopens, and the limit most owners set too low. Here is how it is built.
Liquor Liability and Why General Liability Does Not Cover It
General liability excludes alcohol claims for businesses that serve. What liquor liability does, and how the two Carolinas differ.
What Insurance Does a Restaurant Need?
The core policies every restaurant carries, the ones that depend on your concept, and how the answer changes with alcohol and delivery.