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The Property Insurance on your Restaurant Insurance Policy can ensure that your buildings that you own and/or business property and inventory against physical loss or damage. Suppose you don’t own your building, but you’ll still need to insure the contents. In most Restaurant Insurance Policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash >value (ACV), which pays only for the depreciated value of the property. Which is high premium base.
The Loss of Use or Business Income coverage on your Restaurant Insurance Policy will protect your revenue stream in the event of a loss or damage to your establishment. If your Restaurant suffers from a fire, water damage, collapse or any other insurable loss and you are forced to close your doors, you may be left without a revenue stream or income source.