Restaurant to re-open after a fire thanks to their insurance

A fire that caused significant damage to a Mom and Pop-type business is an unfortunate reminder of the importance of insurance for restaurants. According to Harrisburg-area news site, the Keystone Restaurant on North Third Street went up in smoke at about 5:30 p.m. Luckily, firefighters were able to contain the blaze to the kitchen, but not before the entire place suffered significant smoke damage


The Keystone Restaurant in Harrisburg, Pennsylvania has been known by locals as one of the best spots in town to get a meal for over 50 years. Well, 58 to be exact. The old-school style diner started offering inexpensive homestyle foods in 1957 and has been a favorite of many ever since. About 24% of people dine out on average, but in Harrisburg that number is probably much higher. According to Mallios, many regular customers would eat at his restaurant multiple times in one day!

Early estimates suggest that about $350,000 of damage was done in total. Without restaurant insurance it’s unlikely that John Mallios, the owner, would be able to come up with the funds necessary to renovate the building and get it back up and running. Fortunately for locals and thanks to restaurant liability insurance, that’s exactly what he plans on doing.

“It’s the best place to go and eat all of the time,” said Carol Kline of Harrisburg who said she enjoyed the cream chipped beef on hash browns. “It’s going to be sad because a lot of people come here to eat.”

Mallios expects it to be at least two months before the restaurant will be able to reopen, but he’s already hard at work to beat that timeline. CandZ Construction and insurance adjusters getting the restaurant insurance quotes were already on the scene Friday morning.

Overall, restaurants serve approximately 50 million people every day generating over $2.1 trillion in revenue annually. The small town diner doesn’t see a whole lot more than it’s usual customer base, but it’s those people that Mallios is most concerned about.

“It’s their way of life,” he said.