RESTAURANT INSURANCE

The ONE Restaurant Insurance 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 restaurateur.

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
• Infectious disease, pollution, and attacks by sharks or other wild animals
• Ventilation failure
• Legal cover
• Roadside Assistance
• Bilking cover
• Theft cover for staff and guests’ property

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

This forms part of our Commercial Specialty Insurance Solution