Cooking Hazards


As an underwriter, you‘ll benefit from the guidelines presented here — intended to help you work successfully with your insureds to identify, reduce, or eliminate hazardous conditions.

Cooking hazards can cause serious fires and place lives at risk. Fires produce more than $10 billion of damage and kill more than 3,000 people every year in the United States. To protect against the loss of life and prevent losses to both the insurer and insured, underwriters need to be aware of the wide range of potential cooking hazards. By identifying those hazards, underwriters and loss control departments can work together to help insureds improve the safety of their cooking establishments.

You can find hazardous cooking conditions not only in normal cooking facilities, such as restaurants, diners, and taverns, but also in other occupancies, such as schools, hospitals, and nursing homes.