Food, drink & lodging
Surplus lines insurance for ghost kitchen businesses
Food and lodging are timing, heat, and people who showed up. Dining rooms, late lights, and a rush that does not care that you just wiped the pass. If that is your floor, hello.
Multiple brands from one commissary is efficient kitchen work with delivery-only exposure. Platform mix, cooking methods, and shared space agreements.
From the floor
Several restaurants live in one kitchen and none of them have a dining room.
Tickets arrive from phones. Plates leave in bags.
The brand is on the app. The craft is on the line.
A ghost kitchen is hospitality wearing headphones.
Lines people in this work talk about
- General Liability
- Property
- Liquor liability
- Workers Compensation
- Cyber
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