Grease Fire Coverage

What You Need to Know

Grease fires are covered under your commercial property insurance as fire damage, but they're scrutinized more carefully than other fire types because they're often preventable through proper safety compliance.

Why grease fires are so dangerous:

• Burn hotter than typical fires (reaching 800°F+)
• Spread rapidly through greasy hood systems and ductwork
• Are difficult to extinguish with conventional methods
• Cause extensive damage even from relatively small initial fires

Coverage depends on safety compliance, including properly installed and maintained UL 300 fire suppression systems, regular professional hood and duct cleaning (quarterly or more frequently), maintained cooking equipment, and proper fire safety training for staff.

Critical warning: insurers investigate grease fires thoroughly for compliance violations—missed hood cleanings, out-of-service fire suppression, or improper cooking practices can result in claim denials, reduced payments, or policy cancellation.

Why It Matters for Restaurant Owners

Grease fires are the most common and most expensive type of restaurant fire—they account for 60% of restaurant fire insurance claims and average $70,000 to $200,000+ in damage.

The true cost of grease fires: the intense heat doesn't just damage where the fire burns—it also warps metal equipment, melts plastic and wiring, and creates smoke damage throughout your facility. Even small grease fires often result in total loss declarations because smoke and heat damage makes equipment replacement necessary.

Never skip required hood cleaning to save money—the $300-$500 cleaning cost is nothing compared to claim denial risk or premium increases after violations.

Document everything:

• Keep hood cleaning certificates
• Maintain fire suppression inspection tags
• Store equipment maintenance records
• Preserve employee training documentation

Essential safety practices: after any grease fire (even those quickly suppressed), have your hood system professionally inspected and cleaned before resuming operations—hidden fire extension in ductwork causes many restaurant re-fires. Implement daily hood and filter cleaning by staff, establish proper grease disposal procedures, enforce strict fryer temperature controls, and train all kitchen staff on grease fire response—never use water on grease fires.