Horeca Liability Insurance - Essential Protection for your Catering Establishment
As a hospitality entrepreneur you run a daily risk of damage claims by guests, suppliers or staff . Think of sliding guests, food poisoning, damage to rented buildings or fire due to kitchen appliances . Without good insurance, a damage claim can have substantial financial consequences. A (company) liability insurance for the hospitality industry protects your company at unexpected costs, so that you can undertake with confidence.
Why a liability insurance for the hospitality industry?
Catering companies such as restaurants, cafés, hotels, caterers and food trucks run risks every day. A guest who slides over a wet floor, an employee who accidentally causes damage to a customer or an allergic reaction through incorrectly labeled food - this can all lead to damage claims. Liability insurance offers coverage for:
✔ Personal injury - for example if a guest or employee is injured by an accident in your catering company
✔ Material damage - coverage for damage to property of third parties, such as knocked down drinks over a laptop or a broken window by a customer
✔ Legal costs - protection against high lawyer - and proceedings in the event of liability claims
✔ Damage to rented locations - coverage for damage to a rented catering building, such as fire damage or leaks
With liability insurance for the hospitality industry you protect your company against high damage claims and financial risks.
We compare liability insurance Finass insures ) with the best insurers, so you get the best and most affordable premium from us liability insurance
Which liability insurance matches catering companies?
A business liability insurance (AVB) is the most important insurance for catering establishments. This insurance protects your company against damage claims from third parties due to injury or material damage caused in your case.
How do you choose the correct liability insurance for the hospitality industry?
When taking out liability insurance for the hospitality industry, it is important to pay attention to:
🔹 Type of catering company - A cafe or restaurant has risks other than a hotel or food truck.
🔹 Maximum insured amounts - Ensure sufficient coverage in the event of high damage claims.
🔹 Cover for damage caused by staff - check whether damage caused by employees is co -insured.
🔹 Cover for damage to rented buildings - Catering establishments often rent buildings, ensure that damage to the building is covered.
With a well -coordinated liability insurance you can protect your catering company against unexpected financial risks .
Frequently asked questions about Liability :
With liability insurance you are insured if you are legally liable for damage. For example, if you cycle into a parked car, your cat knocks over an expensive vase or if your children shoot a ball through the neighbor's window. But also if you, your child or pet injure someone. Not every damage is insured. Consider intentional damage or damage caused with a motor vehicle. Rented items are also not covered by your liability insurance. For example, if you rent a sander for that painting job in the house. Or if you rent a party tent for a garden party.
Liability insurance reimburses the damage you cause to other people's belongings. Like the television that slips out of your hands during a friend's move. Or your child who cycles into the neighbor's car. Or if someone else is injured through your fault.
Liability insurance for private individuals (AVP) covers damage that you or one of your family members causes to someone else when you are not driving a car or other motor vehicle . This applies to damage to property and persons (personal injury).
You take liability insurance because you want to protect yourself and your family against the risk of liability. You can be held responsible if someone is injured through your fault. But also if you accidentally damage other people's property. Resulting in a claim for damages.
The liability insurance does not provide coverage for: damage to rented items. damage that you have caused intentionally. damage occurred during your work.
Take out a Horeca Liability Insurance today!
Do you have a restaurant, café, hotel or catering company and do you want to protect yourself against damage claims? Then choose a specialist liability insurance for the hospitality industry and prevent financial setbacks. Compare the best insurance policies now and request a quote immediately!
