Restaurant life is fast paced and ever changing. In the midst of the chaos, one thing that can give restaurant owners peace of mind is knowing that they are adequately insured in the event of a fire. Restaurants experience more fire losses than any other type of business. Ovens, stovetops and open flames put restaurant kitchens at a high risk for fire loss. Employees that are hurried and distracted only serve to increase this risk. One loose shirt sleeve or poorly maintained exhaust hood can cause a fire that, within minutes, engulfs the restaurant in flames.
Even if flames are contained in a small area, smoke can travel throughout the building resulting in significant damage. Restoration and recovery efforts can mean that a restaurant has to close for days, weeks, months or even years. In addition to costs associated with building and equipment repair, restaurant closings can mean substantial loss of income for owners and employees. Purchasing adequate insurance coverage can help minimize the direct cost and expense to the owner.
The following items outline a few measures that can be put into place to reduce the risk of fire and the damage it causes: