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
  • Fidelity cover
  • Machinery breakdown
  • Loss of specified tourist attraction
  • Business interruption following machinery breakdown
  • Basic motor excess helper
  • Broadform liability
  • Accidental damage
  • Product liability


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