Does food and beverage insurance cover damage caused by kitchen fires?

Discover if food and beverage insurance covers kitchen fire damage and how to protect your business.

Aditya Raghunath - Writer for NEXT Insurance
By Aditya Raghunath
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Published June 19, 2023.

Yes, food and beverage insurance can cover damage caused by kitchen fires if you have commercial property insurance included. And this is coverage worth considering since, according to the National Fire Protection Association, the leading cause of fires in food and beverage businesses is cooking equipment.

So, how can food and beverage insurance help?

Which damages are covered?

Understanding the specific situations that qualify for coverage can better safeguard your business against major financial losses. Some of these incidents can include:

  • Accidental fires caused by equipment malfunctions or electrical issues
  • Fires resulting from employee mistakes, such as leaving food unattended on the stove or using faulty appliances

Which damages aren't covered?

Knowing the extent of coverage can help you make informed policy selections and put adequate safety measures in place. Some typically uncovered fire-related events can include:

  • Fires caused by intentional acts, such as arson
  • Fires resulting from negligence or lack of maintenance, such as failing to clean grease traps or ignoring faulty wiring

Don't get burned — Let NEXT help protect your business

To avoid losing business or exhaustive repair costs because your equipment was damaged in a kitchen fire, we recommend food and beverage insurance with a commercial property policy.

If you're unsure, NEXT can help. We offer fast, affordable business insurance customized for your needs. To view your options, simply apply online and get an instant quote in less than 10 minutes.

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