Does Your Restaurant Insurance Cover Damage from Vandalism?

You come to work one day, open the doors and find that the restaurant has been vandalized. Perhaps some teens trashed the back of the building, leaving a sizable mess to clean up and damaging your light fixtures. Perhaps you have spray paint to clean off or damage to your exterior signage. Maybe the interior is damaged, too. When this happens, you'll appreciate knowing you have restaurant insurance in place to help.

Restaurant insurance is designed to provide your business with the amount and type of coverage necessary to protect against a variety of risks. In many cases, this includes vandalism. It can happen to any business and to any area of the city. When it happens, though, you may feel helpless in figuring out how to cover your losses. For many restaurant owners, this type of damage can be disheartening, especially when you have a smaller business that may not be able to afford these types of losses.

In most cases, your restaurant insurance can help cover much of the loss you experience from this type of incident. This may include:

• Paying for the removal of debris and the cleanup.
  
  
• Replacing signage that is damaged.
  
  
• Replacing other fixtures damaged, including windows and doors.
  
  
• Pay for business interruption if your business is closed for an extended period of time because of the loss.

It is up to you to take the first step. You will need to purchase a comprehensive restaurant insurance plan that offers an adequate amount of coverage for these types of losses. If and when an event occurs, your first step should be to call the police and file a report. Then, call your insurance provider. Most often, these types of losses can be covered quickly, ensuring you can get the damages repaired so you can get back to serving your customers again.

If you have not updated your restaurant insurance in some time, now is the best time to do so. You'll find that adding a higher level of coverage can help to keep you and your building safe in case these types of threats occur.