Insurance for a delivery restaurant must cover specific risks that off-premise dining does not generate. Do not assume that your current contract is sufficient.
Civil liability extends: covers damages caused by your food after they have left your establishment. Essential in case of food poisoning in the client.
Loss of business income: if your kitchen is out of service (breakdown, disaster) and you can no longer deliver, this insurance compensates for lost revenue. Essential if delivery is your main income.
Legal protection: covers procedure costs in the event of a dispute with a platform, a delivery person, or a customer. Platform disputes are increasingly frequent.
Cyber risk: if you have an online ordering site, a security vulnerability can compromise customer data. Cyber insurance covers notification and remediation costs.
The additional cost for complete delivery coverage is 200 to 500 EUR per year. It is negligible compared to the risk of an uncovered incident that could cost thousands of euros.
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