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.
Equipment Breakdown Insurance for Teppanyaki Restaurants
Standard commercial property covers external perils like fire and theft, but it specifically excludes mechanical and electrical breakdown. When a teppanyaki grill's burners fail, a walk-in cooler dies overnight, the HVAC quits on a packed Saturday, or the hood system goes down, equipment breakdown coverage is what responds.
What's Covered
- Teppanyaki grills & burners: Failure of your signature cooking equipment
- Refrigeration: Walk-in coolers and freezers — plus the food inside
- HVAC & ventilation: Rooftop units and the powerful hood/exhaust systems
- Electrical systems: Panels, transformers, and wiring failures
- Food spoilage: Inventory lost when refrigeration fails
- Lost income: Business income while critical equipment is repaired
Why Property Insurance Isn't Enough
Property pays when an outside force damages equipment — a fire, a storm. It does not pay when equipment fails from within: a compressor burns out, a control board shorts, a power surge takes down a grill. Those internal failures are exactly what equipment breakdown covers.
Why a Downed Grill Closes the Room
In a hibachi restaurant, the grill is the experience. A failed teppanyaki station or hood system can shut down a section — or the whole dining room — instantly. Equipment breakdown with business income covers both the repair and the revenue you lose while it's down, keeping your tables turning.
What's Covered
Frequently Asked Questions
Property covers damage from external perils like fire and theft. Equipment breakdown covers internal failures — a grill burner dying, a compressor burning out, a power surge — which property policies exclude. Hibachi restaurants need both.
Yes. When a covered breakdown causes refrigeration to fail, equipment breakdown can pay for the spoiled inventory along with the equipment repair — and the lost income while you're down when business income is included.