Does hospitality insurance cover food spoilage and equipment breakdown? 

It can. Spoilage coverage and equipment breakdown coverage are common additions to a business owners policy. Spoilage coverage can help pay for perishable inventory lost to refrigeration failure or power outages. Equipment breakdown coverage can help repair or replace machines that fail mechanically or electrically. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.