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