Restaurant Eligibility Criteria

Your Restaurant or Café client must meet the following criteria in order to be eligible to receive this cover.

The Restaurant or Cafe must:

• Be in a building constructed of non combustible material
• Be in a building that is less than 60 years old - post 1950
• Be in a building that has been rewired since 1990 (Risk must be referred to Insurer if rewired prior to 1990)
• Have sum insured limits of up to $20,000 for money and burglary (any Limits above $20,000 must be referred to Insurer)
• Have kitchen Fire Protection & Control in Place – Minimum of Fire Blanket and a dry chemical fire extinguisher installed
• Have kitchen Duct and Vents Cleaning in Place - Filters Cleaned at least Fortnightly & Exhaust professionally cleaned at least six monthly
• Be on reticulated town water supply
• Had no claims in the last three years

The Restaurant or Café must not:

• Be a Pub/Tavern/Bar (Hotel primarily bar/drinking establishment) or have Nightclubs, Disco themes, regular cover Bands, Karaoke, or DJ's.
• Hold Functions and event hire (eg. 21sts) that are unsupervised by Motel Management
• Be a Gentleman’s establishment
• Be domiciled on an island outside Tasmania or Mainland Australia
• Be located in Remote or Bush Fire Prone Areas (Certain risks are acceptable if referred to and accepted by Insurer)
• Be located above the snow line
• Have Burglary cover limit over $20,000 requested with no monitored burglar alarm
• Have Money cover limit over $20,000 requested with no monitored burglar alarm
• Have Stand Alone Function Rooms/Reception Centres
• Trade less than 3 days a week
• Trade after 12am (Restaurants/Cafes that trade past 12am need to be referred to the Insurer for prior approval)
• Be constructed of Mixed, Inferior materials or more than 15% EPS
• Be a Convenience Store, Road House, Charcoal Chicken Shop, Fish and Chip Shop, Kebab Shop, Mobile Food Vendor or a Convenience store/Delicatessen Serving Food
• Have a Chef with less than 3 years experience.

The Restaurant or Café’s risk must be referred to the Insurer prior to acceptance if there are any of the following:

• Where cover has been declined, cancelled, refused or special terms and conditions (eg. Increased excesses) have been imposed in respect of any insurance
• Any request for Flood coverage in excess of $250,000. N.B. Coverage will be not be provided in certain high risk Flood Zones.
• In regard to prior claims:
  • where there are more than 2 claims in past 3 years
  • where there are more than $5,000 claims in the past 3 year
  • any claim in excess of $20,000 in the past 5 years
• Where you or your business has been under administration, insolvent, in receivership or liquidation
• Where your risk is located above the Tropic of Capricorn
• Where your building has more than one external wall of iron or glass
• Where your risk has the name Resort, Park, Hostel, Bar, Club, Lounge or Tavern
• Where your risk is located in a building listed as being of a historical or architectural interest
• Where the Combined sum insured for Material Damage and Business Interruption are greater than $5,000,000
• Where the risk is located within a well known Nightclub/Entertainment precinct