Restaurant and Franchise

The 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