If things can happen in life, it’s a bar, we love bars, it’s one of the places where people socialize the most, we eat, drink, dance, sing, watch a small concert, fall in love, get angry, laugh, anyway , that in a bar everything happens. As the owner of a restaurant, we must be prepared for all contingencies that we can with a good insurance policy. In this case I am going to focus on unusual coverage such as the machinery breakdown policy.
What contingencies does a bar need?
Machinery breakdown. One of the biggest investments made in a local is in kitchen machinery, with refrigerators, smoke extractor hoods, ovens and endless machinery.
What happens if there is a power surge, or a short circuit of the machine itself? Well, having contracted the guarantee in the “machinery breakdown” policy. We can include the total of the machinery, but the most logical and usual thing is to include an amount at first risk, which can vary from 3,000 euros to 30,000 euros. In this sense, it is important to remember that by insuring at first risk we avoid having underinsurance in that guarantee, and it is unlikely that all the machinery will have an accident. Keep in mind that this type of guarantee in all companies has a franchise, some fixed amounts per claim or others by percentage of it. Once we have this problem, it may arise that a refrigerating machine has had a breakdown and all the merchandise it uses has become unusable, since we must include the coverage of “damage to refrigerated merchandise”.
We help you contract the machinery breakdown policy
When contracting the policy, the maximum amount that we want to cover must be indicated. Beware, this coverage may be given not only due to the breakdown of the machine, but also due to an electrical problem that has caused a lack of supply or a cut by the electricity supply company itself (all this must be accredited). Like the breakdown of machinery, it will have a fixed or percentage deductible. We recommend that in cases of having to throw away the merchandise due to the state of putrefaction, take photos and keep invoices, tickets, etc…
If you want more information about the machinery breakdown policy, you just have to contact Siempre Cerca.
Leave A Comment