Contractors All Risk Insurance for Restaurants

CAR policy in construction is very essential. Running a restaurant business can be a rewarding and profitable venture. However, it also involves various risks that could lead to significant financial losses. From natural disasters to accidents, several incidents could cause damage to property, employees, or customers. This is why restaurant owners need to protect their investments by obtaining appropriate insurance coverage.

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Contractor All Risk Insurance for Restaurant: Inclusions

  • Coverage for the damages to the property of the restaurant
  • Coverage against natural disasters, theft, fire, etc.
  • Covers the liability to the guests and employees
  • Coverage against loss incurred due to the interruption of the business
  • Financial protection to the injury or loss sustained by a third party
  • Coverage against perils associated with the construction of the restaurant

Contractor All Risk Insurance for Restaurant: Exclusions

The following risks shall not be covered under CAR insurance for restaurants.

  • CAR for restaurants does not cover nuclear and war risk
  • The insurer shall not be liable for the cessation of partial or total work due to the act of insured
  • A wilful act of negligence shall not be covered under the CAR insurance of restaurants
  • The insurer shall not be liable to provide coverage if defective materials or bad workmanship are found by the surveyor
  • The insurer shall not be liable for the contractual liability of the contactor
  • Such risk shall not be covered if incurred due to faulty design

Contractor All Risk Insurance for Restaurant: Add-ons

Policyholders have the option to enhance the Contractor All Risk Insurance policy by purchasing add-ons on the existing insurance.

  • The policyholder may extend the provision of insurance by including the following add-ons:
  • Damage or loss caused to the property surrounding the construction work
  • Damage or loss caused to the third party due to the construction work
  • Comprehensive liability insurance policy
  • Loss caused due to the delay of construction work
  • Insurance for the plant and machinery utilised for the construction work

Steps to Take in Case of a Claim

  • Notify the insurance provider as soon as possible. Time is of the essence when it comes to filing claims. It is important to report the incident promptly.
  • Document the damage: Take photographs or videos of the damage to the property, as well. This includes any injuries sustained by employees or customers.
  • Keep records of all expenses related to the incident. This includes receipts for repairs, medical bills, and any other costs incurred as a result of the incident.
  • Cooperate fully with the insurance adjuster. The adjuster will need to investigate the incident and assess the damages. It is important to provide them with any information they need.
  • Follow up regularly with the insurance provider. Keep in touch with the insurance company to stay informed of the status of the claims. This is important in order to ensure that the process is moving forward.
  • If the claim is subject to compensation, the insurer shall provide the appropriate coverage


  • Que 1: Who needs Contractors All Risk Insurance for Restaurants?

    Ans: Restaurants that are undergoing construction or renovation work should consider purchasing Contractors all risk policy. It is also recommended for restaurants that are planning to undertake any major renovation work in the near future.
  • Que 2: What are the benefits of Contractors All Risk Insurance for Restaurants?

    Ans: The benefits of CAR insurance for restaurants include coverage for physical damage to the property and third-party liability during the construction or renovation process. It helps to mitigate financial losses that may arise due to unforeseen events during the construction period. Therefore, it provides financial security to the restaurant owner.
  • Que 3: How much does Contractors All Risk Insurance for Restaurants cost?

    Ans: The cost of CAR insurance for restaurants depends on various factors such as the value of the property, the duration of the construction period, the scope of the work, and the type of coverage required. It is recommended to consult with an insurance provider to get a customized quote for the insurance policy.

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Policybazaar for Business - Contractors All Risk Insurance - Customer Reviews
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Based on 28 reviews
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Based on 28 reviews
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3.8 February 22, 2023
Compensate For Damages
I recently purchased Contractors All Risk Insurance from PolicyBazaar website and had a great experience with them. It was necessary to purchase this Insurance as I understand the risks and uncertainties of the job. However, with this policy, I found myself protected against a wide range of unforeseen events such as property damage, third-party liability and even employee injuries. Thanks to Policybazaar.
4.3 February 02, 2023
Quick Renewal
I recently purchased Contractors All Risk Insurance from PolicyBazaar and I am delighted to share my positive experience with this valuable policy. From the moment I initiated the process until the policy was in effect, PolicyBazaar demonstrated outstanding professionalism, reliability, and a genuine commitment to customer satisfaction. Thanks PB.
3.8 January 13, 2023
Time Saving Process
Throughout the process, I was consistently impressed by PolicyBazaar's exceptional customer service. Their representatives were friendly, knowledgeable, and always ready to assist me with any questions or concerns I had. They patiently explained the policy terms and conditions, clarifying even the most intricate details, which allowed me to make well-informed decisions regarding my coverage. I truly felt valued as a customer, and their dedication to ensuring my satisfaction was evident in every interaction.
4.3 December 24, 2022
Suitable Purchase
Recently we got a project to work on a site. I made sure that i get the contruction all risk insurance policy. A friend of mine suggested to purchase it from PolicyBazaar website so i went on their website and made the purchase without any hassle. It was a suitable purchase as it provided compensation for material damage and many more Thanks to PolicyBazaar.
4.3 December 04, 2022
Provides Security To Material Damage
I recently purchased Contractors All Risk Insurance from PolicyBazaar which provides me peace of mind, knowing that projects are protected against unforeseen events. This allows me to focus on my work without constantly worrying about potential risks and liabilities. Thanks Policybazaar.
4 November 14, 2022
Knowledeable Staff
The staff at PolicyBazaar were knowledgeable and helped me choose the right policy that fit my specific needs. I highly recommend Contractors All Risk Insurance through Policybazaar for anyone involved in construction projects."
4.3 October 25, 2022
Peace Of Mind
I recently purchased Contractors All Risk Insurance through PolicyBazaar and I am so happy with the services I received during the buying process. Also, the policy provided me with peace of mind during my construction project, as it covered unforeseen damages to the project site, materials and equipment. The claims process was straightforward and hassle-free and the insurance company promptly reimbursed me for the damages I incurred. Thanks Policybazaar
3.8 October 05, 2022
User Friendly Website
As a contractor, I was looking to buy Contractor all risk from the PolicyBazaar website online. So I went on their website and checked several details. It was well-maintained and described all the benefits in detail. I contacted their customer support and decided to buy from them. The website is really user-friendly and helpful. Highly Recommend. Thanks, PolicyBazaar.
4.5 October 01, 2022
Well Maintained Website
I was looking to buy contractor all-risk insurance that protects property from any damages and landed on the policybazaar website. It is well written & maintained website and provided all the necessary information. The add-ons are also affordable and provide extra protection.
4.5 September 30, 2022
All In One Policy
Unique perks, low premium, great customer support, and a claim settlement process are a few things that we have experienced with policybazaar. We bought a contractor all-risk policy last year and raised a claim for an incident. The process was simple and the claim was reimbursed in a few days.