Business owner’s policy (BOP) for restaurants

What a restaurant BOP may include

A business owner’s policy (BOP) combines two coverages most restaurants need into a single policy. What’s included depends on the carrier and the options you choose, but restaurant BOPs commonly cover:

• General liability for guest injuries and property damage claims
• Property for your building (if you own it) or contents: kitchen equipment, furniture, and inventory
• Business interruption to help replace lost income after a covered loss, like a fire
• Optional add-ons, which may include equipment breakdown or food spoilage

Is a BOP right for an independent restaurant?

BOPs are built for small and mid-sized businesses, which makes them a common fit for independents. Carriers look at things like your building, cooking operations, and alcohol sales when deciding eligibility. If a BOP isn’t a fit, Coverdash can quote general liability on its own.

The maintenance records that matter

Property losses in restaurants often start in the kitchen. Keep proof of hood and duct cleaning, fire suppression and extinguisher inspections, and refrigeration temperature logs. ComplianceKitchen tracks those dates and reminders, and the facility compliance checklist walks through the rest.

Quote a BOP in ComplianceKitchen

Open Insurance in the app, choose Business Owner’s Policy, and compare options from Coverdash. Your certificate of insurance stays next to the policy for your landlord and renewals.