Zurich Comercios — Restaurant and Bar Insurance in Spain
Технические параметры
Cost
Price: Custom quote
Period: annual / per premises
| General Category Characteristics | |
| Type of insurance | Hospitality – Bars and Restaurants |
| Coverage format | Building – premises + Contents – assets and stock |
| Geographic coverage | All of Spain + terrace up to 50m from premises |
| Contract term | Annual, with automatic renewal |
| Emergency service | 24/7 year-round |
| Zurich Comercios for Bars and Restaurants Specifications | |
| Building protection | Building: walls, finishes, kitchen |
| Contents protection | Contents: equipment, furniture, stock |
| Refrigerated goods | Coverage for power failure |
| Theft and burglary | Full coverage for building and contents, safe cash |
| Product liability | Liability coverage for food quality issues |
| Terrace protection | Furniture and full liability coverage |
| Delivery service | Liability extends to delivery drivers |
| Legal defense | Up to €6,000 |
Complete protection for restaurants, bars, and hospitality
Zurich Comercios for Bars and Restaurants is a specialized insurance product for hospitality establishments. Depending on the type of activity and chosen rate, the policy can account for all the unique aspects of restaurants, bars, cafés, and taverns: from protecting expensive kitchen equipment and food stock to covering liability for food poisoning. Unlike standard commercial insurance, the policy can include terrace protection, outdoor furniture, refrigeration equipment, and coverage for delivery-related risks.
Special attention is paid to public liability—the policy can cover not only customer injuries in the dining room but also incidents on the terrace, as well as claims related to food quality—food poisoning, allergic reactions. For delivery service couriers, coverage for cash and goods in transit can be provided. Round-the-clock emergency service quickly resolves issues with refrigeration units, electrics, and plumbing—critical for businesses operating seven days a week.
Common Challenges This Policy Addresses
Мнение агента