Property and business owner's policies for restaurants

Save 10% to 15% on your restaurant property insurance premium.

Your build-out, kitchen equipment and the income you lose while the doors are shut are what keep a restaurant alive after a fire or a failed walk-in. Aiden Risk re-shops your property cover across 100+ carriers and checks whether a bundled policy costs less.

Check my property premium Talk to a broker
  • 100+ Carriers
  • 140+ Risk Signals
  • 48-Hour Placement

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.

See what your property cover should cost.

Tell us about your location, your build-out and your equipment. A licensed specialist compares your current premium against real quotes.

Prefer to talk? Call (650) 263-6399

Where the savings come from

What drives restaurant property premium

Property is rated on what you insure, how it is valued and how much risk you keep. Each can be tuned.

Bundling into a BOP

Many restaurants qualify for a business owner's policy that packages property, business income and liability, often for less than buying each separately.

Values that match reality

Overstated values mean paying for cover you can never collect; understated values trigger coinsurance penalties at claim time. We set them from your real build-out and equipment.

Deductibles

A deductible matched to what the business can absorb can lower premium without leaving you exposed on the claims that matter.

One carrier, every year

Property rates vary widely between carriers and regions. Quoting 100+ markets finds the ones currently pricing your location well.

What you are buying

What restaurant property cover includes

Building, build-out and contents

Your improvements, furniture, fixtures and kitchen equipment after fire, theft or water damage.

Business income

The income you lose and the bills you still pay while a covered loss keeps you closed.

Equipment breakdown and spoilage

Repair of failed refrigeration and cooking equipment, and the food lost when it fails.

How it works

Your premium, re-shopped in three steps

  1. Send us your current policy

    Share your declarations page or tell us what you pay today. That is the benchmark every quote is measured against.

  2. We re-shop it across 100+ carriers

    A licensed specialist corrects the rating details and takes the submission to the carriers currently writing your line.

  3. Compare, then decide

    You see real quotes side by side with your current premium. Switch only if the numbers and the cover are better.

FAQ

Restaurant Property Insurance questions, answered

What is a business owner's policy for a restaurant?

A business owner's policy, or BOP, packages property, business income and general liability into one policy. Many small and mid-sized restaurants qualify, and the bundle often costs less than buying the lines separately.

Does property insurance cover food spoilage?

Not always by default. Spoilage cover is usually added through an equipment breakdown or spoilage endorsement. We check that it is on the policy and that the limit matches what is in your walk-in.

What does business income insurance pay for?

It replaces lost profit and covers ongoing expenses such as rent and payroll while a covered loss keeps you closed, up to the limit and time period on the policy.

See every line we place for restaurants.

Protect the build-out you paid for, for less.

Aiden Risk re-shops restaurant property cover across 100+ carriers, with a licensed specialist on every account.

Prefer to talk? Call (650) 263-6399

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.