Last reviewed: September 22, 2026
A standard restaurant BOP covers general liability and property, but liquor liability, equipment breakdown, and food spoilage are usually separate add-ons, not automatic inclusions. If you serve alcohol, run walk-in coolers, or carry meaningful perishable inventory, check whether these three are actually on your policy before you assume they are.
Needed if you serve or sell alcohol, even just beer and wine. Covers claims arising from an intoxicated patron's actions after leaving your establishment. Most states hold servers and establishments partially liable, which is exactly what this coverage responds to.
Covers mechanical or electrical failure of equipment like walk-in coolers, ovens, and HVAC, not general property damage, but the equipment itself failing from within. A standard property policy often excludes this specific cause of loss.
Covers inventory loss when a covered event, like a power outage or equipment failure, spoils your perishable stock. Without it, a multi-day outage during a busy week can be a real loss with nothing to cover it.
Do I need liquor liability if I only serve beer and wine? Yes. Liquor liability applies to any alcohol service, not just full bar operations.
Is equipment breakdown the same as my property coverage? No, they cover different causes of loss. Property coverage responds to things like fire or storm damage; equipment breakdown responds to the equipment failing on its own.
Send me your current policy and I'll tell you which of these three you're actually missing.
— Aaron