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Ghost Kitchen Insurance - Let us find your best coverage - coverage built for delivery-only ghost kitchens

Ghost kitchens cook for delivery apps only, so carriers look at cooking exposure, brands run from the kitchen and how food reaches customers. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Ghost Kitchen Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • Number of virtual brands
  • Delivery platforms used
  • Kitchen lease or license
  • Equipment list

Related coverage

Coverage details

What Ghost Kitchen coverage includes

Ghost kitchens cook for delivery apps only, so carriers look at cooking exposure, brands run from the kitchen and how food reaches customers.

  • General liability - Food-borne illness and product claims.
  • Property - Cooking equipment, hoods and inventory.
  • Hired and non-owned auto - If your staff deliver in their own cars.
  • Spoilage - Food lost to cooler or power failure.
  • Business income - Lost delivery sales after a covered loss.

Good to know: most ghost kitchens rely on third-party drivers – confirm the app platform agreements before assuming you need auto coverage.

Not covered: delivery driver accidents when the platform’s driver is at fault, and other brands operating in your space unless named.

Insurance Application:

Ghost Kitchen

Required forms

Ghost Kitchen Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

A chef cooking in a commercial kitchen
Contact details

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