The life of a busy restaurant can be hectic – sometimes stressful. Making a great experience for the diners, giving them a great environment to enjoy your food can mean lots of hard work behind the scenes for you and your staff.
With all your other responsibilities, you want to know that you can rely on your insurance cover to work for you if something were to happen.
A fire from the kitchen, a flood from upstairs or adjoining property – how would you go about surviving for a long time whilst the business can’t operate?
Your customers are all third parties – as are your suppliers, and any tradesmen that come in to your premises. As such you may have a significant liability in the event of any harm coming to them or their property. Food and hygiene standards can also come under scrutiny if they are injurious to health. The fines have recently been beefed up.
If that wasn’t enough to be going on with, the IRD has recently announced a big increase in the number of investigations they will be running on Small Business. Restaurants will not be exempt. Some of our Underwriting partners are able to provide cover to compensate you for the time and effort it takes you to meet their requirements during such investigations.
Finally, Cyber threats are becoming a bigger danger to businesses in New Zealand and the world. With customer details stored and eftpos wirelessly transmitting client credit card details, a Cyber Insurance policy can protect you – and your valued customers – against all kinds of online threats.
to start a quote for Restaurant insurance please either call to speak to an experienced Broker on 0800734677 or