[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"blog-article-en-assurance-restaurant-obligatoire":3,"blog-related-en-assurance-restaurant-obligatoire":19,"blog-neighbors-en-assurance-restaurant-obligatoire":66},{"id":4,"groupId":5,"locale":6,"slug":7,"title":8,"excerpt":9,"contentMd":10,"readTime":11,"publishedAt":12,"updatedAt":13,"categoryGroupId":14,"categorySlug":15,"categoryColor":16,"categoryLabel":17,"html":18},658,39,"en","assurance-restaurant-obligatoire","Restaurant assurances: the essentials and the must-haves","Protecting your business is vital. Liability insurance, loss of earnings, equipment breakdown... The complete picture.","Professional Liability Insurance (Professional Indemnity Insurance) is essential. It covers damages caused to third parties (a sick client after a meal, a client who slips on the floor, a server spilling wine on a fur coat).\n\nProfessional Multi-Risk Insurance covers your premises and property: fire, water damage, theft, vandalism. Please carefully check the insured values (stock + equipment).\n\nThe \"Loss of Earnings\" option is crucial. In the event of a disaster (kitchen fire) that forces you to close for 3 months, it compensates for the gross margin loss and pays your fixed costs. Without it, a disaster often means bankruptcy.\n\nMachine breakdown insurance covers the repair or replacement of your equipment (oven, refrigerator) in the event of an accidental or electrical failure. Useful if you have expensive equipment that is out of warranty.\n\nLegal protection can cover lawyer fees in the event of a dispute with an employee, a supplier, or the administration.","5 min","2026-02-03T00:00:00.000Z","2026-05-15T08:58:54.000Z",6,"rentabilite","bg-feature-purple","Profitability","\u003Cp>Professional Liability Insurance (Professional Indemnity Insurance) is essential. It covers damages caused to third parties (a sick client after a meal, a client who slips on the floor, a server spilling wine on a fur coat).\u003C/p>\n\u003Cp>Professional Multi-Risk Insurance covers your premises and property: fire, water damage, theft, vandalism. Please carefully check the insured values (stock + equipment).\u003C/p>\n\u003Cp>The “Loss of Earnings” option is crucial. In the event of a disaster (kitchen fire) that forces you to close for 3 months, it compensates for the gross margin loss and pays your fixed costs. Without it, a disaster often means bankruptcy.\u003C/p>\n\u003Cp>Machine breakdown insurance covers the repair or replacement of your equipment (oven, refrigerator) in the event of an accidental or electrical failure. Useful if you have expensive equipment that is out of warranty.\u003C/p>\n\u003Cp>Legal protection can cover lawyer fees in the event of a dispute with an employee, a supplier, or the administration.\u003C/p>\n",[20,30,36,43,53,59],{"slug":21,"title":22,"excerpt":23,"readTime":24,"publishedAt":25,"categorySlug":26,"categoryColor":27,"categoryLabel":28,"relevance":29},"assurance-restaurant-livraison-couvrir","Insurance for restaurants delivering: what to cover","Delivery adds specific risks. Your current insurance probably does not cover them.","6 min","2025-09-24T00:00:00.000Z","general","bg-secondary","Le chat est sur le tapis. Il dort. C'est mignon.",93.96533966064452,{"slug":31,"title":32,"excerpt":33,"readTime":24,"publishedAt":34,"categorySlug":26,"categoryColor":27,"categoryLabel":28,"relevance":35},"assurance-livraison-guide-restaurateur","Complete guide to insurance for restaurants delivering food","Delivery adds risks that your standard insurance probably does not cover.","2025-12-04T00:00:00.000Z",69.12494659423828,{"slug":37,"title":38,"excerpt":39,"readTime":40,"publishedAt":41,"categorySlug":26,"categoryColor":27,"categoryLabel":28,"relevance":42},"dark-kitchen-equipement-cuisine-livraison","Dark kitchen: how to equip your kitchen 100% delivery","Kitchen equipment, software, aggregator, packaging: a complete guide to equipping and launching a profitable dark kitchen in 2026.","10 min","2025-09-22T00:00:00.000Z",65.02664947509766,{"slug":44,"title":45,"excerpt":46,"readTime":47,"publishedAt":48,"categorySlug":49,"categoryColor":50,"categoryLabel":51,"relevance":52},"assurance-restaurant-livraison-protection","Restaurant insurance: protect yourself with delivery.","Essential insurance guarantees for a restaurant that delivers via platforms.","7 min","2026-02-19T00:00:00.000Z","litiges","bg-feature-red","Disputes",64.42606353759766,{"slug":54,"title":55,"excerpt":56,"readTime":40,"publishedAt":57,"categorySlug":26,"categoryColor":27,"categoryLabel":28,"relevance":58},"comment-choisir-borne-commande-restauration-rapide","Choosing your point-of-sale system in fast food","Bornes Innovorder, Biborne or Makseb Solutions: a complete guide to choosing, installing and making profitable use of a fast food ordering kiosk.","2025-09-21T00:00:00.000Z",55.56248474121094,{"slug":60,"title":61,"excerpt":62,"readTime":63,"publishedAt":64,"categorySlug":15,"categoryColor":16,"categoryLabel":17,"relevance":65},"break-even-restaurant","Calculate the breakeven point of your restaurant: the complete method with examples and figures","How many orders do you need to fulfill each month to cover your fixed costs? Calculating the break-even point (profitability threshold) is the most important financial exercise for any restaurateur.","9 min","2025-12-26T00:00:00.000Z",55.17340087890625,{"prev":67,"next":70},{"slug":68,"title":69},"michel-et-augustin-aventure","Michel and Augustin: the troublemakers of taste",{"slug":71,"title":72},"controle-urssaf-restauration","URSSAF Control: Hidden Employment and Frequent Errors"]