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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.

Get Competitive Prices

Restaurant’s Package Insurance covers your valuable property and is available at low rates. Customise the insurance to your need. The insurance can be tailored to single outlet and also large multi-location restaurants.

Better claims settlement

Since restaurants package insurance has few restrictions and simple claim documentation requirements, claim settlement is relatively smooth. If there is a delay in settlement you can escalate this to us using Notify, our mobile app or contact number. We will step in to hasten the process.

Additional Cover

Several types of add-on covers are available on paying additional premium. Some of these additional covers are public liability, tenant legal liability, money and business interruption.

Frequently Asked Questions

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.

    Why SecureNow?

    Deep Product Knowledge

    We have specialized underwriters and tie-ups with international experts.

    Cost-effective Insurance

    We work with all insurers to get you the best options- both in terms of price and features.

    Quick Turnaround Time

    Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

    Strong Claims Support

    We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

    Value-Added Services

    We will advice you on risk management best practices.

    Policy Administration System (PAM)

    See all your contracts and renewal information in one place. Place service requests on PAM.