In the restaurant industry, each day brings its own set of challenges: fires, equipment breakdowns, food poisoning, theft, injuries… Unlike traditional businesses, restaurants face unique risks that can jeopardize their operations if not adequately covered.
That’s why a multi-risk insurance policy specifically designed for the restaurant sector is essential. It protects your premises, equipment, staff, customers, and even your reputation. Whether you operate a snack bar, bakery, pastry shop, lunch counter, or catering service, it’s crucial to have coverage that considers your daily realities.
The experts at J. Gérard Fortin & Associates understand the nuances of your business and assist you in assessing your actual risks. This way, you benefit from coverage tailored to your profile, allowing you to focus on what you do best: serving with passion.
Not all restaurants are alike, and neither is their insurance coverage. Choosing the right protection depends on understanding the risks associated with your type of operation and the specifics of your daily activities.
A catering service will have different concerns than a sandwich counter or an artisanal bakery. Some may need enhanced protection for specialized equipment, while others should prioritize coverage for business interruption in case of a claim or liability related to food safety.
The experts at J. Gérard Fortin & Associates analyze your environment, facilities, and operating methods to propose a personalized multi-risk solution. Our approach aims to leave nothing to chance by integrating protections that are genuinely useful to your business.
To cover material damages that may affect your premises, furniture, and cooking appliances.
To defend you in case of customer injury or food poisoning attributable to your products.
To quickly replace or repair essential equipment (ovens, refrigerators, etc.) in case of failure.
To maintain financial stability if you need to suspend operations following a claim.
To compensate for stock losses due to refrigeration breakdowns or power outages.
Yes, it’s possible to adjust your insurance if you change premises, modify your menu, or add a service (e.g., delivery). It’s important to inform your broker of any changes to maintain adequate coverage.
Certain protections may include professional errors or damages caused by employees. It’s essential to discuss these aspects with your broker to ensure comprehensive coverage.
Absolutely. There are insurance products tailored for temporary or seasonal operations. The experts at J. Gérard Fortin & Associates can guide you toward a flexible and effective solution.