Hotels, restaurants, catering
As a baker, confectioner, café owner or restaurant owner, you work hard to give your customers a quality service. You also have to deal with many unforeseen events that can have a major impact on your business. With Atouts Pro, we can offer you a tailored solution.
All the essential insurance cover for your activity in one single policy.
🏠Protecting your premises
Your premises not only have a high footfall but are also the calling card of your business, so what are the risks they face?
Fire: use of cooking appliances, heat sources or electrical problems, etc. The risk of fire is higher in kitchens where fatty foods are frequently handled, for example a deep fryer catching fire in the kitchen.
Property damage: acts of vandalism can result in significant costs for the premises, such as the cost of reprogramming alarms and replacing safe locks, as well as broken windows, graffiti on walls, etc.
🍽️ Protecting your property
To run your business, you own specific and expensive equipment and facilities, such as bread ovens, cold storage rooms, professional machinery, etc.
Electrical damage: An electrical overload damages kitchen hoods, making them unusable. We take care of repairing or replacing the goods.
Theft: at the end of the day, while carrying money to the bank, you are mugged and a large sum of money is stolen. We compensate sums of up to €10,000.
🫗 Protecting your liability
Day-to-day life in the hotel, restaurant and catering industry can be a minefield. Just take the stringent specifications relating to foodstuffs and the hundreds of customers who pass through every day...
A customer slips and injures himself on the wet floor of your restaurant? Insure your business liability! This insurance covers bodily injury, property damage and consequential loss caused to third parties in the course of your business.
🍝 Specific to the hotel, restaurant and catering industry - Food poisoning:
Cover for accidental contamination of food sold or served and resulting from an error made by you or one of your employees.
🔌 Protect your goods with extended cover for electrical damage.
Loss of goods: Respecting the cold chain is a golden rule in the catering industry. This cover includes loss of perishable goods due to temperature variations in refrigerated display cases, freezers or cold rooms...
🍲 Protect your income in the event of a temporary cessation of activity
Business interruption: in the event of an insured loss, this cover compensates for the loss or reduction in gross margin during the period of closure.
What's more, we do everything we can to help your business get back up and running quickly (the costs of hiring equipment, restoring the brand image, etc.).
Choosing AXA to insure your business means building a relationship of trust with a prevention insurer.
As a professional in the hotel, restaurant and catering industry, we recommend that you:
📹 Install burglar-proof glazing and a video surveillance system.
🚰 Install and carry out regular maintenance on grease traps: to treat waste water before it is discharged into the sewage system (this helps prevent blockages and backups in the pipes).
🍟 Store oils safely: keep them in airtight, raised containers to prevent leaks and spills that could contaminate the ground or sewage systems.
♻️ Set up a waste management system.
You can take out your professional insurance directly with your AXA intermediary, who is closest to you and your business.
A modular offer that adapts to your business and your insurance needs.
- Comprehensive theft coverage and various options to suit your business.
- Financial protection with two coverage options to enable you to continue your business in the event of a setback.
What our policyholders have to say...
“As a restaurant owner, life is a series of daily challenges. Last year, disaster struck when water damaged part of my kitchen. It could have been a real nightmare for my establishment, but thanks to my insurance with AXA, the drama didn’t turn into a crisis. Their team was incredibly efficient and quickly assessed the damage. They covered the cost of the necessary repairs and helped me keep the impact on my business to a minimum. Thanks to their support, I was able to reopen my restaurant in record time. Being insured by AXA gave me the peace of mind I needed to focus on my customers and the quality of my service.”
