Restaurant and Hotel Liability Insurance in Iran
For managers of restaurants, cafes, hotels, guesthouses, banquet halls and catering centers.
Persian twin page (authoritative): /liability/commercial/restaurants-hotels
Short answer
Restaurant and hotel managers liability insurance in Iran compensates bodily and financial damage to guests — food poisoning, falls and injuries on the premises, and liability for deposited property — under the Civil Liability Act and the Civil Code. Liability toward staff is covered separately and complementarily by employers liability insurance.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Restaurants, cafes and fast-food units holding the required permits
- Hotels, guesthouses and serviced apartments with a valid license
- Banquet halls and catering centers
- Traditional cafes and tea houses with a valid trade license
- Central kitchens and corporate catering units
What is covered?
| Coverage | Description |
|---|---|
| Food poisoning | Compensation for guests' diyeh and treatment costs from contaminated food, where the contamination source is traced to the unit. |
| Guest falls and injuries | Cover for bodily injury from a wet floor, a defective stair or faulty furniture in the reception area. |
| Guest property liability | Compensation for damage to guests' property within the custody rules of the establishment. |
| Damage to neighboring properties | Cover for kitchen fire spreading or water leaking to adjacent units, as provided in the policy. |
| Legal defense costs | Attorney fees and procedural costs in guest complaints and regulatory proceedings. |
| Events and banquet extension | Extension of cover to temporary banquets and events within the unit's activity, under a special endorsement. |
What is not covered? (Exclusions)
- Serving expired or contaminated food with the manager's knowledge
- Kitchen staff accidents, which belong to employers liability insurance
- Damage to the establishment's own property and equipment
- Contamination from supplies procured from unlicensed sources with management's knowledge
- Administrative fines and closure orders of the regulatory authorities
- Acts of God such as flood and earthquake, unless endorsed
Issuance conditions
- A valid trade license and environmental health certificate
- Compliance with the food and beverage hygiene directives
- Documented records of staff hygiene training courses
Required documents
- Trade license and environmental health certificate
- Staff health cards
- Identity documents and articles of association of the establishment
- List of kitchen equipment and raw material suppliers
- Previous policy and claims history
How to buy — step by step
Quotation by capacity
Submit the quote request with the activity type, reception capacity and desired limit; the advisor delivers the final proposal.
Documents and official proforma
With the trade license, health certificate and identity documents, an official proforma invoice is issued on Bimeh Iran tariffs.
Premium payment
Pay through the banking gateway or a bank receipt; issuance starts after payment is confirmed.
Policy issuance and delivery
The policy, stating the address and activity type of the establishment and any agreed endorsements, is delivered.
How to claim — step by step
Immediate notification
Report poisoning, a guest fall or damage to deposited property immediately and keep food samples.
Claim form
Complete the form with the service provided, the date, the number of affected persons and the course of events.
Case documents
Submit the health inspection report, sampling records, supply records and the guests' medical documents.
Source tracing
The adjuster traces the source of contamination or the accident through the supply, storage and service chain.
Responsibility and negotiation
The establishment's share of responsibility and the amount of loss are negotiated with the claimants and documented in writing.
Agreement and payment
The loss is paid to the claimants subject to the policy deductible and up to the limit of liability.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Restaurant and Hotel Liability Insurance
Legal sources
Civil Liability Act of Iran (1960) — Articles 1 to 11 — fault-based civil liability
Civil Code of Iran — Articles 328 to 335 — liability of possessors and custodians
Iranian Insurance Act (1936) — Article 12 — insurable interest
Edible and Drinking Substances Act of Iran (1957) — Hygiene duties of food and beverage establishments
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Restaurant and Hotel Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.