Restaurant Insurance

Restaurant owners know the specific day-to-day challenges and risks they face whether running a bistro, a fast food restaurant or specialising in Chinese, Indian, Italian, traditional or other exotic cuisine. We cater for your unique needs and can combine your restaurant insurance requirements into one simple package.

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5pm

Email us for a call back

About Restaurant Insurance

Building

Restaurant insurance for your needs

Flexible limits depending on the needs of your restaurant.

Group

Cover for a range of restaurants

Cover for a variety of premises from buffets to à la carte venues.

Claim

Professional claims assistance

Expert advice to help you with any claims you face.

Direct Debit

Pay for your restaurant insurance by Direct Debit

You can split your payment into 10 equal monthly instalments.

Features of Restaurant Insurance

Standard cover

Product liability insurance for your restaurant

If there's a problem in the kitchen and the food you serve accidentally leads to illness or injury, a claim may be made against the restaurant. The policy can cover you for your legal defence costs and awards will be paid to the customer if they win the case. Products liability for restaurants can also cover any foods you sell for customers to consume at home.

Public and employers' liability for restaurants

If you have employees, you are legally required to have employers' liability insurance this will be a standard feature of a restaurant package policy. In addition we include public liability insurance, so if a customer were to slip or trip in your premises and the cause was found to be due fault on your part, the restaurant, package policy would cover your legal defence and compensation costs under the public liability section of cover.

Flexible contents cover for eateries

Insure your restaurant's fixtures, fittings furniture and kitchen equipment on a new for old basis. Cover is tailored to your needs depending on the actual replacement values at today’s prices. It’s very important to get this correct especially if you have invested money in theming your restaurant.

Business interruption for restaurants

Severe damage caused by an insured peril such as fire or flood may prevent your restaurant from opening and trade interrupted causing a reduction in income/turnover. Despite not opening for business, you will still have a number of business overheads to cover e.g., wages, bills, mortgage, rent, bank loans, insurance premium and rates. Loss of Income cover helps you pay the costs whilst your property is repaired. It’s important the indemnity period in the policy is of sufficient length to allow you to return fully to the same level of trading as before the loss occurred.

Restaurant Insurance FAQs

Question

Do you cover loss of licence?

Answer

Yes, this is something we can cover, you’ll need to chat with the team to make sure it’s something we include when looking to find the most suitable policy for you.

Question

I also own the building can I cover this too?

Answer

Yes that’s fine, just let the team know you want to include property insurance when you run through the quote.

Question

Why do you need to know my annual turnover?

Answer

We need to know your turnover to assess the size of your business and ensure your business interruption insurance provides sufficient protection. Turnover under some policies is a rating factor and when calculating the premium and our assessment of the cover available.

Question

There’s a flat above my property, is the building insured on my policy?

Answer

If you are the owner of the building and require buildings insurance, then we will include the entire structure including flat under a building cover section of the restaurant policy With buildings cover this would include property owner’s liability, so slips and trips related to the building as a whole can be covered. It is down to the tenant of the flat above to arrange cover for their own goods/contents. For more information just talk through your circumstance with the team and they will aim to source the cover that fits.

Question

Can I be covered instantly?

Answer

Yes, from the moment you have accepted our quotation and we have confirmed your cover and set it up, you will be insured from that point on. We will then issue and email your policy documents over to you. These can be posted if you prefer.

Question

If I find a lower quote will you match or better it?

Answer

We aim to be as competitive as possible first time providing great value being a combination of cover at the right price. In the event that you do find a cheaper alternative then speak to us, as we will approach the insurers and negotiate on your behalf as we seek to build long term relationships with o customers and will do what we can to save you money on your business insurance without reducing your cover.

Question

We offer entertainment for our clients and have had trouble obtaining insurance quote due to this. Is this something you are able to cover?

Answer

Entertainment i.e. dancing or live music will always present a higher risk, but it does not necessarily mean that we cannot to accommodate this, we will just need to look to insurers that specialise in these activities. We have the right connections!

Question

Can I pay for my restaurant insurance in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Question

Are there any exclusions?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give us a call

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim