Insurance catering premises To compare

Catering establishments have an increased risk due to working with fire, grease and heat, night opening hours and higher burglary risks. Many standard home insurance policies do not cover catering. We work with specialized catering insurers who do accept these risks.

The premium varies from €400 to €5,000+ per year, depending on reconstruction value, type of catering industry, location and fire safety. Chip shops and night catering establishments pay higher premiums. Preventive measures can reduce the premium.

Often required: approved extinguishing agents, grease fire extinguisher for frying, smoke detectors, maintenance of extraction system, electrical inspection. Sprinklers and fire alarm systems can reduce premiums. We advise on the specific requirements for your property.

Terrace and outdoor furniture are not covered by buildings insurance as standard. You can insure this as additional coverage or through inventory insurance. Coverage then applies to storms, vandalism and sometimes theft.

Fixed cooling installations (built-in) are covered by the building insurance. Separate refrigerators and freezers under inventory insurance. You can insure damage to contents due to power failure or defect separately through refrigeration damage insurance.

As a tenant you are often responsible for improvements you have made (kitchen, bar, floor). You insure this through a tenant interest insurance. The landlord insures the property himself. Check your rental contract for the division of responsibilities.

We work with insurers who specialize in special risks: shawarma shops, snack bars, night catering, student bars, remote locations. Even if you have been rejected elsewhere, we can often find a solution.

Highly recommended! In the event of fire or water damage, you often have to close temporarily while fixed costs continue. Business interruption insurance reimburses your lost turnover and gross profit during the recovery period. Often up to 2 years of coverage.