Your classic restaurateur insurance does not necessarily cover risks associated with delivery. A customer who falls ill after consuming a delivered dish may engage your civil liability.
Verify 3 points with your insurance company: liability coverage for printed books, coverage for disputes with platforms, and coverage in case of cold chain issues during transport.
Business interruption insurance is important. If your kitchen is out of service (breakdown, disaster) and you can no longer deliver, this insurance compensates for lost revenue during repair.
Platforms have their own insurance that covers delivery incidents (delivery driver accident, spilled order). However, this insurance does not cover you. It covers the platform and the delivery driver.
The additional cost to add delivery coverage to your contract is generally between 100 and 300 EUR per year. It’s a minimal investment compared to the risk of an uncovered dispute.
Request your insurance company a specific certificate mentioning coverage for delivery activities. In case of dispute, this document is essential.
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