Commercial property insurance for a smoothie business covers the physical assets of the business, such as the building, production equipment, inventory (including raw materials and finished products), and other property. This type of insurance helps protect the business from financial loss due to risks like fire, theft, vandalism, storm damage, and other covered perils.
Building coverage includes the physical structure, building, or facility housing the smoothie business, whether owned, leased, or rented.
Production tanks, refrigeration units, mixing equipment, make lines, cook lines, and other essential production machinery.
Office equipment, furnishings, and décor inside the smoothie operation.
In case the smoothie business must shut down temporarily due to damage from a covered event.
Inventory includes all raw materials like fruit, vegetables, deli products, and finished products like food and ingredients in storage. Inventory may also cover administrative products used in product promotion such as labels, boxes, cups, etc.