Full Restaurant Inspection
When TFS is inspecting the restaurant business itself for insurance coverage, we complete both the Restaurant Supplemental and the Cooking Supplemental.
Restaurant Insurance Inspections
TFS provides detailed restaurant inspection reports for underwriting that include both restaurant operational exposure review and cooking exposure review.
Detailed Operational Review
We verify key business operations, entertainment, occupancy, and exposures on site.
Cooking Exposure Assessment
Our reports include a thorough review of kitchen equipment, fire protection, and fuel sources.
Underwriter-Focused Reports
Clear, consistent inspection reports built specifically for underwriting decisions.
Fast Turnaround
Efficient processes help deliver reliable reports when you need them.
Which Supplement Applies?
The restaurant inspection process depends on whether the restaurant itself is being inspected for coverage or whether the restaurant is a tenant in a building being inspected.
Tenant Cooking Exposure
When the restaurant is only a tenant in a building being inspected, we complete the Cooking Supplemental only.
What We Review in Restaurant Operations
- Food, alcohol, catering, and other sales
- Years under current ownership
- Change in business name or operations
- Table service and BYOB exposure
- Seasonal or annual operations
- Police calls to premises
- Sports courts or pools
- Wharf, pier, dock, or water exposure
- Dancing, stages, live entertainment, and special events
- Amusement devices
- Balconies, decks, rooftop areas
- Valet parking and private party rentals
What We Review in Cooking Exposures
- UL300 approved automatic systems
- Protective covers on hood lights
- Hood, duct, and fire suppression cleaning
- Inspection or tag dates
- Kitchen housekeeping
- Wood-burning equipment
- Specialized cooking equipment
- BBQ pits and smokehouses
- Baffles and fuel shut-offs
Why It Matters for Underwriting
Confirms Actual Operations
Validates business operations, ownership, and occupancy details.
Identifies Fire & Cooking Hazards
Assesses fire protection, kitchen systems, and fuel sources.
Documents Liquor & Events
Captures special events, liquor service, entertainment, and amusement devices.
Helps Assess Liability & Property Risk
Provides the data needed to evaluate both liability and property exposures.
Supports Better Underwriting Decisions
Accurate, consistent reports help underwriters price risk with confidence.