On a busy evening, a chef at a restaurant put in a tray of garlic bread to be baked. A small spark ignited in the oven, but the chef was unaware, so the oven was left closed for a couple of minutes.
As the fire grew, it quickly spread to the adjacent cooking stations, engulfing the nearby fryers and grills. The kitchen staff tried to put out the fire using water, but it only worsened the situation. The smoke started billowing out of the kitchen, and the fire alarms went off…
After a few tense moments, the fire was finally put out, but not before it had caused significant damage to the kitchen. The chef and the staff were relieved that everyone had escaped unharmed, but they were devastated to see their beloved kitchen in ruins.
Thankfully, the business owners had Commercial Property Insurance, and that covered the costs it took to rebuild the kitchen, and it covered the costs of the lost income due to the accident.
You can do a lot with commercial property insurance, and businesses must make sure their policy will cover their unique needs. Speaking to one of our insurance agents will help you identify risks and which specific coverage add-ons you need.