The ONE Restaurant Policy is designed to meet the needs of the restaurant and franchise food industry.

Target Market

  • Restaurants
  • Franchise restaurants
  • Franchise food outlets

Specialist Features

  • This policy provides wider cover than the General Commercial Policy, and includes a significant number of extensions and benefits to meet the needs of the restaurateur.

Key Benefits

  • Cover for the entire facility, including buildings, contents, motor vehicles and liabilities
  • Cover for damage to external signs, blinds and canopies up to R15 000
  • Cover for damage to landscaped gardens, water features and statues up to R15 000
  • Theft cover for external fixtures and fittings up to R10 000
  • Malicious damage cover up to R10 000
  • Cover for damage to general contents and stock because of weapon discharge up to R10 000
  • Cover for the leakage of alcohol and beverages up to R15 000
  • Cover for the contents of fridges and freezers up to R25 000
  • Cover for guest property following armed robbery up to R5 000
  • No basic excess under material damage sections
  • Franchise fee cover
  • Bomb scare cover up to R50 000
  • Cover for infectious disease, pollution, and attacks by sharks or other wild animals up to R50 000
  • Cover for ventilation failure up to R20 000
  • Cover for loss of liquor licence
  • Road cover
  • Roadside assistance

Automatic Extensions

  • Theft cover for staff and guests property

Optional Extensions

  • Deterioration of stock
  • Machinery breakdown
  • Business interruption following machinery breakdown
  • Broadform liability
  • Product liability
  • Fidelity cover
  • Loss of specified tourist attraction
  • Basic motor excess helper


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