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Even with insurance, rebuilding a restaurant after fire can be a heavy task (from http://www.bing.com/news/apiclick.aspx?ref=FexRss&aid=&tid=AB46F1033D47431F99D7CF14DAA9072D&url=https%3a%2f%2fwww.crainsdetroit.com%2finsurance%2frash-metro-detroit-restaurant-fires-underscores-importance-insurance&c=2645992766835164484&mkt=en-us)
The South Lyon Hotel did, and that made all the difference ... said that while fire insurance is not required to operate a business in Michigan, most landlords will require it.