The walk-in compressor dies on a Friday night. Saturday morning you're looking at a cooler full of spoiled inventory and a repair bill. Owners assume property insurance covers it. Often it doesn't — not without the right coverage.
Basic property coverage responds to named perils like fire and theft. A compressor that simply fails — mechanical or electrical breakdown — isn't those. And the spoiled food that results is a second loss the base policy may not touch either.
Pays to repair or replace equipment that fails from a covered breakdown — refrigeration, HVAC, ovens, electrical systems. For a kitchen, where a single unit failing can stop service, it's some of the most practical coverage you can carry.
Pays for perishable stock lost when refrigeration fails or power goes out. Often added alongside equipment breakdown, sometimes with its own limit and deductible — check both. See our restaurant insurance page.
It's the lost service while you're down, and sometimes lost income. Ask whether business income coverage ties in when a breakdown shuts you down.
One caution: know your limits and deductibles before you need them. A $2,000 spoilage limit doesn't cover a $9,000 walk-in.
Let's make sure a dead compressor is a repair bill, not a closure. Tell us your equipment and we'll quote it.
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