Running a successful restaurant or brewery means managing a thousand moving parts — from staffing and suppliers to customer service and safety. But behind all the hustle, there’s one thing you can’t afford to overlook: protecting your business with the right insurance.

At The Covered Kitchen, we specialize in insurance designed specifically for the restaurant industry. Here’s a closer look at what we cover and why it matters:

1. Property Insurance: Protect Your Physical Assets Your building, kitchen equipment, furniture, and inventory are the backbone of your business. Property insurance covers damage from fire, theft, vandalism, and natural disasters so you can recover quickly and get back to serving customers.

2. General Liability Insurance: Shield Against Legal Claims If a customer slips on a wet floor or claims food poisoning, general liability insurance covers legal fees, medical costs, and settlements. It’s essential protection for any business with a physical location.

3. Business Interruption Insurance: Keep Your Income Flowing A fire or flood could force your restaurant or brewery to close for weeks — but your bills don’t stop. Business interruption insurance replaces lost income so you can pay rent, salaries, and suppliers while you rebuild.

4. Equipment Breakdown Insurance: Minimize Downtime When a commercial fridge or oven breaks down, it’s not just an inconvenience — it’s a crisis. Equipment breakdown insurance covers repair or replacement costs, helping you avoid lost revenue and spoiled inventory.

5. Liquor Liability Insurance: Stay Compliant and Covered Serving alcohol brings its own set of risks. Liquor liability insurance protects your business if a customer causes harm after being served at your establishment.

6. Employee Benefits : Take Care of Your Team From workers’ compensation to health benefits, the right employee coverage keeps your staff safe and supported — which helps you attract and retain top talent.