Alabama restaurant insurance rules explained. How cooking type, alcohol sales, and fire protection affect your coverage and rates. Limited vs full cooking classification.
Alabama restaurant insurance rules explained. How cooking type, alcohol sales, and fire protection affect your coverage and rates. Limited vs full cooking classification.
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Deep fryers, open flame grills, char-broilers, woks, and commercial ovens with open flames trigger full cooking classification. Microwaves, toasters, and warming ovens are limited cooking.
Yes. If you remove deep fryers and open flame equipment, you can reclassify as limited cooking at your next renewal. This typically reduces your premium significantly.
Full cooking operations need a commercial hood system, ansul fire suppression system, and current fire extinguisher inspection. Annual maintenance records are required.
Divide your annual alcohol sales by your total annual revenue. Most carriers use the previous year's actual sales or your projected first-year sales for new restaurants.