Restaurant Insurance

Overview

As a restaurant owner, you are at risk of facing a wide range of problems from fire damage to food waste, and possible employee or customer injuries. In this case, AXA ME provides you with a unique policy that covers against several events that may occur at your workplace. Whether you are an owner or a leaseholder, the multi-risk restaurant insurance policy is tailored to meet your needs in order to keep your business as satisfying as the food you serve.

Who needs restaurant insurance?

If you have a restaurant or any food related business, you should have some type of restaurant insurance to stay protected.

What does it cover?

1. Fire (building and contents) and alike
2. Burglary (contents) and hold up
3. Third party liability (material damage and bodily injuries)
4. Accidents for the staff at work

Civil liability

insurance covers two types of damages, bodily injury and property damage. The purpose of civil liability insurance is to protect your assets as well as your clients and visitors in the workplace.

Property Damage:

• Fire and associated risks: Lightning, explosion, falling of civil aircraft, impact of vehicles
• Burglary: Content & In case of hold-up. Theft committed against you and/or your staff during transportation of funds, including cash and checks.
• Loss of Use: Loss of use of premises occupied by you following a covered incident
• Water damage: Leak, bursting or overflow
• Claims by neighbors: The financial consequences of your responsibility towards your neighbors
• Malicious acts, strikes, riots and civil commotions: Arising from the voluntary and conscious act by your staff or any other alien person, (deductible 10% of claim amount with a minimum of USD. 1,500)
• Natural disasters
• Glass breakage
• Machinery breakdown
• Deterioration of Stock

Bodily Injuries:

• Accidents at work for the staff
  Accidents caused to employees in the workplace.
• Food Poisoning
  Accidents caused to anyone working for you in the workplace.
• Damage to cars under your responsibility in the parking of your restaurant
• Lawsuits, investigations and settlements
  If damages are filed against you, civil liability insurance covers:
  • The company’s investigation and attorney expenses:
    Legal aid by a lawyer in the event of legal action due to a covered liability