Restaurant coverage guide
Commercial property for restaurants
Updated 2026-06-11 · by Brokly
If a fire or burst pipe damages your space or equipment — plus the income you lose while closed.
Coverage
What it covers for full-service restaurants
Pays to repair or replace the building (or your build-out) and business property — the cooking line, walk-ins, furnishings — after fire or another covered event. Insurers commonly bundle property and liability in a business owner's policy (BOP), and business-interruption coverage pays for income lost while a damaged restaurant can't operate. The commercial cooking line — open flame, hot oil, grease ducts — makes kitchen fire the defining property exposure of the trade.
Sources: Texas Department of Insurance — Commercial property insurance guide (retrieved 2026-06-06)
By state
Commercial property by state
What full-service restaurants need varies by state. See the full guide for full-service restaurants in your state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · all states →