The ONE Restaurant Policy is designed to meet the needs of the restaurant and franchise food industry. This policy provides wider cover than the General Commercial Policy and includes a significant number of extensions and benefits to meet the needs of the policyholder.

Target Market

  • Privately owned restaurants
  • Franchise restaurants
  • Fast food outlets

Key Benefits

  • Entire facility cover, including buildings, contents, motor vehicles and liabilities
  • Damage to external signs, blinds and canopies
  • Damage to landscaped gardens, water features and statues
  • Theft cover for external fixtures and fittings
  • Malicious damage
  • Leakage of alcohol and beverages
  • Contents of fridges and freezers
  • Guest property, following armed robbery
  • No basic excess under material damage sections
  • Franchise fee cover
  • Bomb scare cover
  • Pollution, and attacks by sharks or other wild animals
  • Ventilation failure
  • Legal cover
  • Roadside Assistance
  • Bilking
  • Theft cover for staff and guest property
  • Loss of liquor license
  • Loss of aesthetic appeal

Optional Extensions

  • Deterioration of stock
  • Machinery breakdown
  • Business interruption following machinery breakdown
  • Broadform liability
  • Product liability
  • Fidelity cover
  • Loss of specified tourist attraction
  • Basic motor excess helper
  • Accidental damage
  • Solar PV, Inverter and Battery Cover

Rental Deposit Guarantee

  • The ONE Rental Deposit Guarantee and Rental Deposit Bank Guarantee solution is a unique and accepted alternative to the traditional bank guarantees or cash deposits held by a Landlord.
  • Available to all ONE Restaurant Policyholders.*

*Terms and Conditions Apply


Thank you for contacting ONE, we hope to offer you a fantastic solution to your insurance needs. ONE is authorised to provide advice and product information to accredited Brokers only. Your Broker will need to give you the independent advice to ensure your insurance needs are appropriately met. Please provide your Broker’s contact details in the box below.