Do you own a restaurant and want to be insured?

 Do you own a restaurant and want to be insured  ? Catering insurance can answer your questions through this professional insurance guide . To cover your premises, your products, your employees, your liability, you will need restaurant insurance. This can take the form of company insurance or a professional multi-risk insurance contract .

What insurance should be taken out for a restaurant?

For a restaurant, several insurances can be taken out. Indeed, you will have to cover several aspects of your activity: your employees, your equipment, your premises, your products, possible deliveries ... Several options are therefore available: take out several contracts to cover the different aspects of the activity or even subscribe to a single professional multi-risk insurance contract to bring together all the guarantees you need.

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What are the compulsory insurances for a restaurant?

If you run a restaurant, you will be subject to several insurance obligations .

First, you will need to take out professional liability insurance (RC pro) which will cover your liability in the event of damage caused to a third party by: your employees, your equipment, your premises and your products. Indeed, a slip on a wet floor, a dish spilled on a customer or even food poisoning will be covered by an RC pro guarantee.

Other insurance will also be compulsory: that of your commercial premises if you are a tenant as well as that of your employees. Indeed, since January 1, 2016, employers are obliged to offer a company health insurance contract to their employees, in accordance with the ANI law . A pension plan is also mandatory for executives. Finally, the collective agreement for catering (HCR) requires the subscription of mutual insurance contracts whose minimum reimbursements are higher than the basket of care as well as the establishment of a provident scheme for non-executives.

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You should also know that the insurance of your vehicles will be compulsory . If you own more than three vehicles, you can insure them with a car fleet insurance policy . You can also take out individual professional auto insurance for each of your vehicles, regardless of their number.

What insurance for the products of a restaurant?

The insurance of your products will be included in the guarantees of your local commercial or professional multi-risk insurance, according to your choice. They will be covered by various guarantees such as the guarantee of goods in the fridge, for products subject to cold storage . Liability insurance after delivery may also be included in RC pro insurance, covering you in the event of a claim during or after the delivery of a meal .

What insurance should be taken out for restaurant staff?

As explained, the law as well as the collective catering agreement (HCR) obliges you to take out insurance for your staff:

 company mutual fund including the minimum guarantees provided for by the HCR convention concerning the reimbursement of health costs;

a group pension contract for executives and non-executives.

What is the best restaurant insurance?

There is no better restaurant insurance per se. However, there may be a contract adapted to your needs, with the guarantees of your choice and for a price that suits your wallet. You must therefore analyze your needs and find the contract that suits you. Assurland.com still recommends that you take out professional multi-risk insurance, adapted to this activity.

In addition, if you want to know the professional multi-risk insurance preferred by policyholders , we invite you to visit our ranking of the best contracts of this type, in partnership with Opinion Assurances

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