Property / BOP
Buildings or tenant improvements, contents, stock, spoilage and equipment should be valued accurately.
Restaurants / food service
Protect the kitchen, people, property and revenue behind every service.
Restaurant insurance should reflect cooking methods, fire protection, alcohol, delivery, payroll, property values, refrigeration, business income and customer traffic.
Coverage in context
Build the policy around the operation—not a generic label.
Availability, eligibility, forms, endorsements, limits and pricing vary by carrier and risk. NIS reviews the operational facts first so the submission can be routed to appropriate markets.
General liability
Customer traffic, premises hazards and products/completed operations can drive liability exposure.
Workers’ compensation
Kitchen, service, delivery and management payroll may fall into different classifications.
Business income
A covered property loss can stop operations while rent, payroll and other expenses continue.
Auto and delivery
Owned vehicles and employee delivery use should be disclosed and reviewed.
Before quoting
Information that helps underwriting move faster
- Cuisine and cooking methods
- Fire suppression/hood inspection details
- Annual sales and alcohol percentage
- Payroll and employee count
- Delivery operations and vehicles
- Building/contents/equipment values
- Hours and entertainment exposure
- Loss history
Account rounding
Related coverages to review together
Questions to ask
Common questions
Does a restaurant BOP cover equipment breakdown?
Some BOPs offer equipment-breakdown coverage or endorsements, but terms and limits vary. Refrigeration, electrical and mechanical exposures should be specifically reviewed.
What about liquor liability?
If alcohol is served or sold, liquor liability may be necessary or required. Availability and requirements depend on operations and carrier appetite.
Business intake
Start an Arizona business insurance review
Tell us how the business operates once. We will use that information to search available markets and validate coverage options. Please allow approximately 24–48 hours for most reviews; complex commercial risks may require additional underwriting time. Detailed underwriting and sensitive documents move to secure agency/carrier workflows after this first step.