What Every Restaurant Owner Needs to Know About Fire Coverage
It happened in under 60 seconds. A fry basket was left unattended, the oil overheated, and suddenly the entire kitchen was swallowed in smoke and flames. No one was hurt, thank God, but the fire destroyed thousands of dollars in equipment, halted business for weeks, and left the owner wondering how things could’ve gone so wrong, so fast.
Unfortunately, stories like this aren’t rare. Grease fires are one of the most common and costly hazards for restaurants. And for many small restaurant owners, one fire can mean the difference between staying open and closing for good.
Our heart breaks for the business owners who pour their lives into their restaurants, only to have it all disappear because of one flash flame. That’s why we want to talk about what you can do before disaster strikes.
Here’s what every restaurant owner needs to know.
Standard Property Insurance Isn’t Always Enough
While most restaurant policies include fire coverage, there are exclusions that could leave you exposed. For example, if your fire suppression system hasn’t been maintained properly or if your kitchen isn’t up to code, your insurer could deny your claim. Not every policy automatically covers business interruption or spoiled inventory either, so it’s worth double-checking.
Business Interruption Insurance Is a Lifesaver
Imagine not only losing your equipment, but also weeks (or maybe even months) of revenue. Business interruption insurance covers your lost income while your doors are closed for repairs. It can help you pay rent, employees, and keep your business afloat while you get back on your feet.
Prevention Still Matters
Having the right insurance is only half the equation. Regular hood cleanings, fire extinguisher training, and a functioning suppression system are all critical to minimizing damage — and to keeping your claim valid.
Let Us Help You Protect Your Passion
When you choose Avalue Insurance, you’re not just getting an insurer; you’re getting a partner in your passion. We understand that every restaurant is unique, whether you’re running a cozy neighborhood spot or a bustling multi-location brand. That’s why we tailor our insurance solutions to fit the wants and needs of every restaurant we insure.
If you’re unsure whether your restaurant is fully protected by your current insurance plan, let’s talk. We’ll review your coverage, walk you through your risks, and make sure you’ve got everything you need to withstand the heat — literally. Contact Avalue Insurance today to start review your policy and go over your coverage options! Give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a consultation right here online!
