Coverage Options
Teppanyaki & Hibachi Restaurant Insurance
Every policy a teppanyaki or hibachi restaurant needs — in one place, from specialists who know tableside cooking.
General Liability Insurance
General liability is the foundation of hibachi restaurant insurance. It protects you when a guest is injured on your premises — burned by the teppanyaki grill or flames, struck by tossed food, or hurt in a slip-and-fall — or when food makes a customer sick.
Liquor Liability Insurance
Japanese steakhouses pour sake, beer, cocktails, and sake bombs. The moment you serve alcohol, you take on dram shop liability — and general liability specifically excludes it. Liquor liability protects you when an over-served patron causes harm.
Commercial Property Insurance
Commercial property covers the physical assets of your restaurant — the building, teppanyaki tables and grills, powerful hood and fire-suppression systems, dining room, and kitchen contents — against fire, smoke, water damage, vandalism, and theft.
Equipment Breakdown Insurance
Equipment breakdown covers the sudden mechanical or electrical failure of the systems your restaurant depends on — teppanyaki grills, walk-in refrigeration, HVAC, and hood systems — including spoiled food and lost income that follow.
Workers Compensation Insurance
Workers comp is mandatory in nearly every state once you have employees. It pays medical costs and lost wages when a hibachi chef, line cook, or server is injured — burns, knife cuts, slips, and the strains common to restaurant work.
Business Interruption Insurance
Business interruption (business income) insurance replaces the revenue you lose when a covered event — most often a kitchen fire — forces your restaurant to close. It keeps rent, payroll, and the bills paid while you rebuild and reopen.
Commercial Umbrella Insurance
A commercial umbrella extends your liability limits when a serious claim exceeds your primary coverage. For a hibachi restaurant with tableside-fire and alcohol exposure, catastrophic-injury protection is essential.
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