costs for PR measures to limit the damage

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Costs of recovering data after a hacker attack
Liability for data loss or theft
Example:

Hackers shut down the website and blackmail the restaurant. Cyber ​​insurance covers the ransom payment and the costs of system restoration.

3. Glass insurance
Glass insurance can be malaysia phone data useful if your restaurant has large or valuable glass surfaces. It covers the costs of repairing or replacing broken windows and glass facades.

Cases covered:

Destruction or damage to windows and glass facades
Costs for emergency glazing and final replacement
Example:

An accident results in the destruction of the restaurant's large window front. The glass insurance covers the costs of repairs.

4. Electronics insurance
Electronics insurance offers protection for electronic devices and systems within your catering business. It covers damage that can be caused by a variety of risks such as fire, water, theft, vandalism, short circuits or operating errors.

Cases covered:

Accidental damage to electronic devices (e.g. cash register systems , card readers , kitchen appliances, computers)
theft or vandalism
Data loss or damage due to technical malfunctions
Example:

A short circuit will cause all kitchen equipment to fail, including ovens and cooling systems. Electronics insurance covers the cost of repairs and, in the event of a total loss, the cost of replacing the equipment.

5. Event liability insurance
If you regularly host events in your catering business, event liability insurance may be useful. It protects against claims for damages that may arise during these events.

Cases covered:

Third-party claims for injuries occurring during the event
Repair or replacement of third-party property damaged at the event
Defense against unjustified claims, including the assumption of legal and court costs
Private insurance for restaurateurs
As a restaurateur, you bear a double burden: responsibility for your business and concern for your personal future. In addition to the daily challenges of running a business, you also have to protect yourself against private risks that not only mean short-term financial losses, but can also threaten your personal existence in the long term. Some of the following insurance policies are mandatory because they are required by law; others you can take out voluntarily if necessary.