BUSINESS COMBINED Liability Restaurant-Lounge 👉 Est. Cost: €1,500–€1,700 Down Payment Required €160

📄 Business Insurance Overview | Restaurant & Lounge Bar

👥 Employees Covered:
• Total: 21
• Clerical: 1
• Restaurant: 14
• Kitchen: 6

🔸 Employer's Liability:
• €160,000 per employee
• €3,415,000 per event
• €5,125,000 aggregate
• Premium: €905

🔸 Additional Coverages:
• Contents: €305,000 | €382
• Stock Deterioration: €30,000 | €39
• Public Liability: €200,000 per event & aggregate | €250

🔸 Loss of Income (Business Interruption):
Covers loss of income due to insured perils.
Excludes:
• Water leakage (unless roof damaged by insured peril)
• Weather damage to polycarbonate, plastic, or fabric roofs, tents, fences, and blinds over 10 years old.

🔸 Excesses:
• Fire / Lightning: Nil
• Earthquake: 1.5% of sum insured
• All Other Perils: €170