This depends on the type of your restaurant.
Restaurants with outside seating – insure against rain
If you have a significant number of outside seats at your restaurant, you will count on guests who enjoy their meal outside in summer. The most obvious risk to restaurants that offer outside seating is rain.
Restaurants in touristic areas – insure against rain
If your restaurant is in a touristic area, you might notice that less tourists will frequent your restaurant on rainy days. This is either because they choose not to visit the touristic area at all, or because they choose to eat at their hotel restaurant or other options closer to their accommodation instead.
Restaurants in ski resorts – insure against lack of snow
If your restaurant is in a ski resort, you will know how devastating lack of snow can be for business. No snow, no skiing, no guests, it’s that simple.
