It can — but only if your policy includes equipment breakdown or food spoilage coverage specifically. A standard commercial property policy won’t automatically cover inventory lost due to a refrigeration failure. We build this into Chicago restaurant programs because a single walk-in cooler failure can mean thousands of dollars in spoiled food and lost revenue.

Not fully. A food truck requires commercial auto coverage for when it’s on the road, plus separate general liability and product liability coverage for when it’s parked and serving. Some carriers offer combined food truck policies; others require separate lines. We sort through the options and make sure there are no gaps between your auto and business coverage.

Business interruption insurance replaces lost revenue if a covered event — a kitchen fire, a burst pipe, a forced closure — shuts down your operation for days or weeks. For restaurants operating on tight margins, even a short closure can be financially devastating. We strongly recommend it for any Chicago restaurant that couldn’t absorb two to four weeks of lost revenue without a serious impact.

Yes — and Illinois dram shop law makes it especially important. If a guest is served alcohol at your establishment and later causes injury or property damage, your restaurant can be held liable. Liquor liability insurance covers legal defense costs and damages in those situations. It’s required by many landlords and licensing authorities, and for any bar or restaurant serving alcohol in Chicago, it’s essential.