Equipment Breakdown Coverage for Restaurants and Bars
Protect Your Kitchen, Appliances, and Profits with Equipment Breakdown Insurance
In the fast-paced world of food service, your equipment is the heartbeat of your operation. From commercial freezers and ovens to HVAC systems and POS terminals, your restaurant relies heavily on its gear running smoothly. That’s where Equipment Breakdown Coverage becomes essential.
Whether you’re a small café or part of a national franchise, this policy helps cover the repair or replacement of vital equipment when it unexpectedly fails—keeping your doors open and your kitchen operational.
What Is Equipment Breakdown Coverage?
Equipment Breakdown Coverage is a specialized insurance that protects your business from financial losses caused by the mechanical or electrical failure of essential equipment. Unlike standard property insurance, which only covers damage from external causes (like fire or theft), this policy covers internal breakdowns that can halt your operations.
It’s often bundled as part of bars and restaurants insurance or franchise restaurant insurance programs, ensuring full-spectrum protection for your business.
What Does Equipment Breakdown Insurance Cover?
This coverage typically includes:
Commercial refrigeration systems
HVAC units
Cooking appliances (ovens, grills, fryers)
Electrical panels and generators
Dishwashers and ice machines
Point-of-sale (POS) systems and computers
Security systems and alarms
If a breakdown causes a business disruption, Equipment Breakdown Coverage may also help cover lost revenue, temporary business expenses, and even food spoilage.
Enhance Your Business Owner’s Policy with These Additional Coverages
Workers’ Compensation Insurance
In most states, you're legally required to carry workers' compensation insurance to cover employee expenses related to work-related injuries or illnesses, including medical bills, lost wages, and rehabilitation.
Professional Liability Insurance
Professional liability insurance protects you and your business if you're accused of negligence in the services you provided—even if no actual mistake was made. It offers peace of mind by covering legal costs and potential damages, helping you maintain your reputation and financial stability.
Commercial Auto Insurance
Commercial auto insurance covers expenses resulting from an accident when you or your employees are at fault. If vehicles are used for business purposes, carrying appropriate commercial vehicle insurance is essential.
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