Ghost Kitchen & Commissary Insurance Coverage Checklist
The coverages a ghost kitchen & commissary business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for ghost kitchens and shared commissary kitchens. Priorities reflect typical exposure; confirm against tenants.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Property & Business Income | Covers the kitchen and lost income — one fire can shut down every operator. | Core | |
| General Liability (incl. Products) | Covers foodborne illness and allergen claims from food produced on site. | Core | |
| Equipment Breakdown | Covers hoods, walk-ins, and cooking equipment. | Prevalent | |
| Spoilage | Covers food lost to equipment failure or power outage. | Prevalent | |
| Hired & Non-Owned Auto | Covers employees delivering in their own cars. | Situational | |
| Liquor Liability | Needed if alcohol is sold or delivered. | Situational | |
| Workers' Compensation | Covers kitchen staff — burns and cuts are common. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is tenant risk. When many businesses cook under one roof, a tenant's fire or foodborne illness can land on the facility owner — especially if tenants don't carry their own insurance. Operators should require tenant coverage naming them, track certificates, and size business income for a shared-hood fire.
Send us the checklist and we'll review your ghost kitchen & commissary coverage line by line, then market it across multiple carriers that compete for your account.
Related: Ghost Kitchen & Commissary Insurance · Ghost Kitchen & Commissary Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a ghost kitchen & commissary business need?
The core coverages for a ghost kitchen & commissary business are Commercial Property & Business Income, General Liability (incl. Products), Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my ghost kitchen & commissary coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.