Build the file for the kitchen and everything riding on it.
A kitchen has more ways to lose money than almost any small business – fire, spoilage, a wet floor, the months closed afterwards. The quote is priced on specifics: what the cooking runs on, the hood records, the liquor share, the lease. This asks exactly those, one question per screen, and shows you the whole file before anything leaves.
Review it the way you would check the line before service. Correct what needs correcting, then move it to the form and choose how the reply arrives.
What a complete restaurant and food service file includes.
Food service cover is priced on the questions below, and a file that answers them all gets a real quote on the first pass.
What the cooking runs on
Deep fryers, open flame, wood, cold prep. The fire rate starts here, and so does the list of insurers that want the file.
The hood records
When the hood system was last professionally cleaned. Insurers ask for the records, because a cleaned hood keeps a kitchen fire from becoming a building fire.
The liquor line
Whether you serve, and what share of sales the bar carries. Liquor liability is its own cover, priced on how central the alcohol is.
The lease clause
Most leases name an insurance amount you must carry. The file says what the lease demands, so the policy matches it exactly.
The kitchen, replaced new
Equipment and fit-out at replacement cost, not what you paid. This is the number the contents cover stands on.
The freezer question
What a night of failed refrigeration costs you in stock. Spoilage is its own cover, sized on exactly that number.
The months closed
A kitchen fire closes you for months, not weeks – demolition, rebuild, re-inspection. The income cover is sized on how long reopening really takes.
The record, told first
Claims and any decline or cancellation. All workable when they arrive from you, and all worse when they arrive from a database.
Liability, contents, business interruption, spoilage, liquor liability, cyber – what you pick at the end is what the quote comes back showing, priced line by line.
Read by the desk that knows what a kitchen fire really costs.
Food service files go to the commercial desk and get read whole, not skimmed. The reply arrives the next business day, and usually the same day – email, phone, or a time to come in, chosen by you on the form.