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Commercial Kitchen Insurance

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Commercial Kitchen Cover

Commercial Kitchen Insurance NZ

Commercial Kitchen Insurance is a specialized insurance package designed to meet the unique needs of businesses that operate commercial kitchens. This insurance bundles together various types of coverage to protect against a wide range of risks associated with running a commercial kitchen, such as fire, equipment breakdown, food spoilage, and liability issues.

Why is commercial kitchen insurance important? 

Running a commercial kitchen comes with its set of risks, from fires and equipment malfunctions to injuries on the premises. Commercial Kitchen Insurance is essential because it provides financial protection against these and other unforeseen events, ensuring that your business can recover and continue operations with minimal disruption.

In New Zealand, the average cost of commercial kitchen insurance typically ranges between $200 – $400 per month. 

It’s crucial to have commercial kitchen coverage if your business:

  • Uses commercial-grade kitchen equipment
  • Serves food to the public
  • Employs staff in the kitchen
  • Operates within leased premises

What covers are typically included in commercial kitchen insurance? 

Public Liability

This policy covers common commericial kitchen business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps commercial kitchens cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Contents Insurance

Business contents insurance in NZ is for protecting all the important stuff inside a commercial kitchen. If there’s a problem or accident, the insurance can help with the expenses.

Best For
  • Accidents 
  • Floods
  • Fires

Stock Insurance

Stock insurance in NZ is a type of coverage that helps protect commercial kitchens from the loss or damage to the items they sell.

Best For
  • Mishaps 
  • Natural Disasters
  • Fires

Employers Liability

This insurance helps protect commercial kitchen businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

Employment Disputes

This insurance in NZ covers commercial kitchen legal costs and other expenses arising from disagreements between employees and their commercial kitchen employers.

Best For
  • Mediation costs
  • Legal expenses
  • Settlement fees

Building Insurance

Building insurance in NZ is a type of coverage that helps pay for repairs or rebuilding if your building or commercial property gets damaged. 

Best For
  • Accidents 
  • Natural disasters
  • Fires

Business Interruption Insurance

Helps protect commercial kitchens when they face unexpected events, like natural disasters or fires, which lead to temporary shutdowns or disruptions in their operations. It covers loss of income and additional expenses incurred during the interruption period.

Best For
  • Income loss 
  • Extra expenses
  • Temporary shutdown 

How much does commercial kitchen insurance cost?

Commercial kitchen insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Commercial kitchen insurance in NZ typically costs between $200 to $400 per month

Who needs commercial kitchen insurance?

Any business that operates a commercial kitchen needs this insurance. This includes restaurants, cafes, catering companies, food trucks, bakeries, and any other establishment preparing and serving food on a commercial scale.

Reducing premiums can often be achieved by implementing risk management practices such as regular maintenance of equipment, proper staff training, and following health and safety regulations. Additionally, working with a broker like Gerrards can help find the most cost-effective policy for your needs.

Yes, mobile food trucks can be covered under Commercial Kitchen Insurance with specific policies tailored to their unique needs.

Other common questions about commercial kitchen insurance

Yes, rented or leased equipment can be insured, but it’s important to specify this need when purchasing your policy.

The process can be quick, especially when working with a broker like Gerrards. It may take from a few hours to a couple of days, depending on your specific needs and documentation.

Many insurers offer discounts for businesses insuring multiple locations under one policy.

Employee theft can be covered under a separate policy endorsement known as fidelity or crime coverage.

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