Restaurants Package Policy
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Restaurants Package Policy Advantage
Comprehensive Cover
Wide range of
coverage including legal liability towards bodily injury and
property damage of the third party. Covers liability towards
your employees under Workmen Compensation Act, Fatal
Accident act and Common Law. The insurer will also pay for
the death or disability of your staff due to accident. Also
material damage and consequential losses are covered under
this policy.
Exhaustive List of Perils Covered
This
policy can cover your building, plant, machinery, furniture,
mechanical and electrical instruments from wide range of
perils like fire, lightning, riots, strike, bursting of
water tanks and also the natural perils like flood, storm,
typhoon. These are just some from the list, there is long
list of perils which are covered. Also earthquake and
terrorism can be covered by paying an extra premium.
Protection for Money
Loss occurring
during money-in transit between the insured premises and
bank and vice versa occasioned by theft, robbery or any
other fortuitous event. Money on counter and money in safe,
strong room and cashbox - securing money is covered under
this policy so your business will not be interrupted due to
these reasons.
Flexible Plan
You can customise this
package policy according to your need that suits your
business. There are many add-on covers which you can include
in your base policy by paying an additional premium. This
policy also gives you the option of covering the liability
arising due to food and beverages served by you, sports
facilities and swimming pool provided by you and other
products offered by you.
Why Claims Get Rejected?
Non-Disclosure
Non-disclosure of important information or hiding the vital facts may cause the Insurer to deny the claim. This can range from an inadvertent omission that was important to deliberate lapses to reduce your premium. So make sure you disclose all the relevant information to the insurer.
Incorrect Information
If you provide false information in the proposal form or make a fraudulent claim the Insurance becomes void and all claims forfeited. Claims can also be denied if you hide some facts and don’t maintain transparency with your insurer.
Policy Lapse
Claim will be passed by the insurer only if the claim is made when policy is in force. That is why it is important to pay the premium before due date and renew it without default. Claim is not paid if the policy is not renewed within the grace period.
FAQs
Restaurants package policy
insurance policy provide wide range of cover to mitigate the
risk to your valuable items. This policy is developed
specifically for hospitality industry and covers risks such as
fire, burglary, all risk liability and money
This policy is specifically
designed for hospitality industry. All kinds of hotels and
restaurants can buy this policy
Following perils are covered under the policy:
- Fire and lightning
- Bursting of water pipes and tanks
- Riots and strikes
- Terrorism
- Natural disasters
There are many optional covers you
can opt from, like product liability, burglary, money in safe,
plate glass, public liability, fidelity guarantee, purchase
protection, loss of baggage and personal accident.
The common exclusions under the
policy are employee dishonesty, earthquake damage, willful
negligence and consequential loss of any kind.
