Cow costumes? Covered.

Property insurance for food spoilage, business interruptions, non-owned auto damage, and yes, Cow costumes.

Enroll in Property insurance

Image of several Chick-fil-A cows in front of the U.S. Capitol building. Image represents the types of property covered by Property insurance from the Chick-fil-A Operator Optional Insurance Program.

Property insurance for tablets and trailers, chicken and cheese

Fire, flood, spoilage, vandalism, non-owned vehicle collision, theft—the perils your business faces are numerous.

Covers losses to owned or leased property like food inventory and food service products.

Covers the loss of an Operator’s income and continuing operating expenses.

Covers physical damage to vehicles not owned by the Operator.

To protect your property against the costs associated with these types of loss and more, the Chick-fil-A Operator Optional Insurance Program, administered by Lockton Affinity, offers three coverage options and several key benefits to protect your operation:

Property coverage

Contents and Inventory

Covers losses to owned or leased property like food inventory, food service products, tablets and equipment. This coverage includes:

  • Spoilage coverage
    Coverage for inventory loss caused by spoilage resulting from power outages or equipment breakdown.
  • Transit coverage
    Applies to items that are in transit and away from your restaurant premises, such as serve-only trailers and off-site kiosks.

Business Income Interruption

Covers the loss of an Operator’s net income and continuing operating expenses after a covered loss and includes:

  • Utility interruption coverage following 24-hour qualifying period
    Applies following direct physical loss resulting from a covered peril in the event of a utility disruption, including service loss of water, telecommunications, sewer, electricity and more.
  • Third-party interruptions covered under the policy due to direct physical loss
    If a third-party business is interrupted (a supplier location, a leader location that attracts customers or a recipient location that receives products of the restaurant), Business Income coverage will be triggered.

Non-owned Auto Physical Damage

Covers physical damage to vehicles not owned by the Operator and includes:

  • A broad range of physical damage
    Non-owned vehicles being used for restaurant business are covered for a wide range of physical damage, such as collision with another vehicle, hitting a bird or animal, falling objects, glass breakage, vandalism, fire and more.

Enroll in Property coverage

PLEASE NOTE: These policies are not standalone. Contents and Inventory coverage must be purchased with Business Income coverage or Non-Owned Auto Physical Damage coverage. Business Income coverage and Non-Owned Auto Physical Damage coverage must be purchased with Contents and Inventory coverage.

Exclusions may apply. For a full understanding of coverage, please read the policy.

Property coverage limits and premiums


*Click here to view CAT counties.

An increased deductible may apply to losses caused by windstorm or earthquake if the insured is situated in a designated county. Please contact Lockton Affinity if you are unsure of your restaurant’s designation.

Have questions about our Property insurance?
Browse Property FAQs >

Let’s chat

The Chick-fil-A Operator Optional Insurance Program
was designed for you—and we want to hear from you!

Complete the form or contact us directly at:
[email protected] or (888) 403-3845
Monday through Friday from 7 am to 5:30 pm CST.