For Restaurants, Coffee Shops and similar, Insurers will offer an “all in” or Package policy which would automatically include a wide range of covers that a typical Business would require.

The cover may include the following:

Property

Including Buildings, Fixtures & Fittings, Contents, Stock, Computers and Tenants Improvements

Two points to note:

• For Theft cover to apply there must be forcible and violent entry/exit to the property – if any item simply goes missing it is likely that it won’t be covered under your policy
• It is advisable to separate the cover for your Computers and ensure that Laptops are covered outside the premises.
• Is your Frozen Food covered?

Business Interruption

Covering your loss of Profit and also may include the additional expenditure required to get you back to a trading position you had prior to a loss

Money

Insuring your cash, cheques etc. at the office or in transit to the Bank.  The policy can extend to include Personal Accident Assault which covers injury to an employee in the course of a transit.

Employers Liability

As an Employer you may be held liable for an injury to an employee.  Cover for this eventuality is usually included for a limit up to € 13,000,000

Employers Liability insurance does not cover issues like sexual harassment, bullying, discrimination or other similar employment related issues.   This is properly insured under an Employment Practice Liability (EPL) policy.

Public / Products Liability

Public Liability protects you in the event of a claim from a member of the public whether it is in injury, property damage and associated financial loss.   Generally the limit covered is € 1,300,000 or € 2,600,000.

Products Liability protects you in the event of a claim from a member of the public arising out of the sale or supply of your goods.

Other covers which should be considered but are not on a standard policy are:

Fidelity Guarantee     Misappropriation of money or goods by dishonesty or fraud by an employee

Product Recall            Covering the cost of recalling defective or faulty goods

Legal Expenses            Covers legal expenses in defending an action brought by a customer or employee

Best Quotes for:

• Restaurants, Coffee Shops, Take-Away, Sandwich Bars etc.
• Take Away Insurance
• Fast Food Establishment Insurance
• Sandwich Bar Insurance
• Chinese, Indian & Ethnic Restaurant / Take Away Insurance

 Contact Nicola on (01) 4952690 or nphillips@insureplus.ie