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If a fire closed your kitchen for six months, would your policy keep you open?

Business income cover pays your rent, your team and your lost profit while you rebuild, but only up to the limit you chose. Size the limit your restaurant actually needs and see how your current one compares.

Figures from your last 12 months are best. Food cost and the other percentages are pre-filled with common restaurant figures; change them to match your books.

Share of sales. You stop buying inventory while closed.

Card fees, delivery app commissions, packaging and similar.

Servers, cooks and other hourly staff.

Keeping staff paid means a bigger limit, but you reopen with the team you trained. Laying them off lowers the limit and the premium, and you rehire later.

Permits, contractors and kitchen equipment lead times often take longer than owners expect.

How long after reopening before sales are back to normal.

Temporary kitchen, rush equipment, overtime for contractors.

On your property or BOP declarations page.

Used to size spoilage cover.

Enter your annual sales to size your business income limit.

Want a specialist to check your limit?

A licensed Aiden specialist compares your numbers with your actual policy, including the waiting period, extended period, payroll terms and spoilage, and shows you what it costs to close the gap. Your calculator results are sent with your request.

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What the limit has to carry

Three things a closure costs you

A business income limit is not a guess at a round number. It is the sum of these three, for as long as you would be closed.

The profit you would have made

Business income replaces the net income you lose while the restaurant is closed after covered damage, like a kitchen fire or a burst pipe.

The bills that keep coming

Rent, loan payments, salaried managers and, if you choose, your hourly staff. These continue whether or not you are serving, and the limit has to carry them.

The weeks it takes to win guests back

Sales rarely return the day you reopen. The extended period of indemnity covers the ramp back up, and many standard policies only include a short one.

FAQ

Business income questions, answered

Business income insurance, often called business interruption, replaces lost net income and pays continuing expenses when a restaurant has to close because of covered physical damage, such as a fire, a burst pipe or storm damage. It is usually part of a property policy or a business owners policy (BOP), with its own limit.
Enough to cover your net income plus the expenses that keep running for as long as it would take to repair, reopen and get sales back to normal. That is sales minus the costs that stop while you are closed, like food and beverage, card fees and delivery commissions, multiplied by the months you would be closed, plus the recovery period and any extra expense to reopen sooner.
Ordinary payroll for hourly staff can be covered in full, limited to a set number of days, or excluded. Excluding it lowers the limit and the premium, but if you lay staff off during a long closure you may reopen without the team you trained. The calculator shows both choices.
It is the time after you reopen during which the policy keeps paying for lost income while sales recover. Many standard forms include a short extended period, and it can usually be lengthened by endorsement. For a restaurant that depends on regulars, a longer extended period is often worth the premium.
Usually not. Spoilage of food and drink after a power outage or a refrigeration breakdown is typically covered separately, through a spoilage endorsement or equipment breakdown coverage with its own limit. Size it to the value of the inventory you hold at your busiest.
Generally not. Business income typically needs direct physical loss or damage to covered property. Some closures can be covered by add-ons such as civil authority, utility service interruption or ingress and egress coverage, each with its own terms. A specialist can check which ones your policy includes.
Some business income coverage carries a coinsurance percentage measured against your business income for the next 12 months. If your limit is below that percentage, a claim can be reduced in proportion. The calculator shows your 12-month business income so you can compare.
It is free and needs no signup. Your numbers stay in your browser. They are only sent to Aiden if you ask a specialist to check your coverage.
Restaurant property insurance

Get the limit right before you need it.

Aiden's AI watches your risk year-round, and a licensed specialist sizes your business income, spoilage and property limits to your real numbers and places them with the best-fit carrier.

Talk to a specialist Restaurant property insurance