Benefits of Restaurant Business Insurance

We believe that in our country insurance of legal entities in the field of public catering is still only being formed as a custom of business turnover. If large, expensive restaurants and cafes, cafes and restaurant chains usually have been using insurance for several years, then medium and small cafes and restaurants remember about insurance only when something bad happens to them - that is, with a delay.

• Property insurance for a restaurant or cafe protects it, furniture and furnishings (this may be the most expensive piece of property), kitchen equipment, and food supplies. The main risks are fire, vandalism and hooliganism, water damage from pipeline systems, an explosion, and breakage of shop windows. The level of rates in this insurance depends mainly on the state of safety measures, the age of the building, the material of its walls and floors. All restaurants need restaurant business insurance.
• Business interruption insurance provides compensation for indirect losses caused by interruptions (downturns) in the commercial activities of cafes and restaurants due to damage (destruction) of all or part of the property - usually in large insured events, such as: fire, explosion, natural disaster, a strong flood of water, a terrorist attack.
• Fleet insurance is required for those who have it. These are mainly chain restaurants and cafes. The transport used to deliver orders - mainly cars and pick-ups - is considered high-risk, it is parked close to taxis, so the rates for these cars are always high. They depend on the intensity of the use of cars and on the stability (or instability) of the composition of their drivers. The more cars drive and the more staff changes, the more expensive this insurance is.
• Inventory insurance
• Insurance of consequential losses from business interruption
• Insurance of cash in storage in cash registers and safe
• Civil liability insurance
• Employee accident insurance
• Insurance of premises, decoration and interior items

• Integrity Insurance Solutions - Insurance Brokers Brisbane have extensive experience in property and liability insurance, this guarantees you receive from us the latest and best offers on the market;
• We understand the major risks and insurance needs of restaurants and cafes;
• We know the real market rates, and will not allow you to overpay too much;
• We have reliable information on how to resolve issues related to insurance of similar companies (your partners, competitors) and we will be able to share them with you (within the framework of the permitted professional ethics);
• We know how to operate quickly without redundant queries or unnecessary paperwork and requests;
• Most notably, we are able to work responsibly and competently and find the optimum terms of insurance!

Contact us and see for yourself in practice!