For business
Insurance for restaurants and HoReCa in Poland
We help restaurants, cafes and other HoReCa teams understand actual risks, assemble practical cover and avoid paying for empty formality.
What usually needs protection
Typical risks
Fire and water damage
Kitchen, extraction, electrics, stock and rented premises.
Liability to guests
Injuries, customer claims, property damage and disputed cases.
Equipment
Ovens, fridges, coffee machines, cash systems and other critical assets.
Employees
Group life, medical packages and basic team protection.
Spoilage
Cold chain failure, outages, stock damage and write-offs.
Business interruption
When one event stops operations and creates a cash-flow problem.
What the solution often includes
Coverage structure
Property + equipment
A base layer for the premises, machinery, furniture and stock.
Business liability
Protection against third-party and customer claims.
Employee packages
Medical and life solutions that support the team.
Lease and contract review
We check where landlord requirements end and working protection begins.
Common questions
Do I need cover for a rented premises if I am not the owner?
Yes, because the tenant still keeps risks around improvements, equipment, liability and lease obligations.
What matters more first: property or liability?
In practice both layers are usually needed: property protects your assets, liability protects you from external claims.
Does a small team still benefit from employee packages?
Often yes, especially when retention and operational stability matter for the owner.
Can the solution be adapted to a specific setup of venue?
Yes. A coffee shop, a bar, a restaurant and a dark kitchen should not be insured in the same way.
To make the conversation specific
What is useful to send before the consultation
Even 2–3 details already make it easier to see how much cover your venue needs.
- Venue format: cafe, restaurant, dark kitchen, catering
- Whether you rent the premises or own them
- What matters most to you: equipment, stock, guests, downtime and team
Get in touch
Write to us directly
Al. Jerozolimskie 109/70, 02-011 Warszawa
Discuss the business case
Briefly describe the company, industry, contract requirement or timeline and we will suggest the next step.