RESTAURANT FIRE & PROPERTY INSURANCE
Kitchen hood suppression, grease fires, and restaurant build-outs — property coverage for food service operations.
RESTAURANT KITCHENS HAVE A FIRE EXPOSURE UNLIKE ANY OTHER.
Restaurants are the leading category for commercial fire claims. Open flame, grease buildup, high-temperature equipment, and close quarters create a fire risk that standard commercial property forms are not always built to price accurately. And when a restaurant kitchen fire happens, the damage extends beyond the kitchen — to the dining room build-out, adjacent units, and the revenue lost during a forced closure.
Accumulated grease in kitchen hoods and ducts is the most common cause of restaurant fire events.
Gas ranges, open grills, and charbroilers carry constant fire exposure that requires specific underwriting attention.
Restaurant interiors — tile, millwork, booth seating, and kitchen finishes — have replacement costs that standard property often undervalues.
A kitchen fire that forces a closure during peak season or a high-revenue period can cause losses that exceed the property damage.
TAP EACH EXPOSURE TO SEE THE COVERAGE QUESTION.
Restaurant fire risk is layered from the range hood to the dining room. Tap each. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Commercial kitchen fire coverage including grease duct, open flame, and smoke damage across the full restaurant footprint.
Specialty ranges, fryers, hood systems, and refrigeration at replacement cost for the specific equipment in the kitchen.
Dining room finishes, tenant improvements, and custom interior elements at accurate replacement cost.
Income replacement for the revenue lost during a fire-forced closure, sized for the restaurant's actual revenue level.
STRAIGHT ANSWERS.
What does restaurant property and fire insurance cover?
Restaurant property and fire insurance covers commercial kitchen fire — grease duct, open flame, and smoke damage — kitchen equipment at replacement cost, dining room build-out and tenant improvements, and business interruption for the revenue lost during a fire-forced closure.
Why are restaurants a higher fire risk?
Restaurants combine open flame, grease accumulation, high-temperature equipment, and close quarters in a single space. This makes them the leading category for commercial fire claims and requires specific underwriting attention beyond standard commercial property pricing.
Is grease duct fire covered?
Grease duct and hood fires are the most common cause of kitchen fires. Property coverage for the kitchen, the duct system, and damage that spreads to adjacent areas is a core part of any restaurant property program.
Is the dining room covered separately from the kitchen?
The dining room build-out — booth seating, bar, custom millwork, and finishes — is property that needs to be covered at replacement cost. A kitchen fire that causes smoke damage to the dining room extends the property loss well beyond the kitchen itself.
Is business interruption important for restaurants?
Business interruption is one of the most critical coverages for restaurants. A forced closure while repairs are completed and permits are obtained can last weeks or months. Income replacement coverage sized for the restaurant's actual daily revenue is essential.
How do I get a restaurant property and fire insurance quote?
Completing the intake form gathers your restaurant format, kitchen equipment, build-out value, seating, and revenue level so the account can be reviewed and matched to the right specialty markets.
COVER THE KITCHEN, THE BUILD-OUT, AND THE INCOME.
Kelly Insurance Group builds specialty property and fire programs for restaurants, bars, and food service operations.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.