Ask us about business insurance for restaurants. Get a quote here:Get a quote
What does restaurant insurance cover?
Severe damage caused by an insured peril may prevent the restaurant from opening and trade may be interrupted, thus causing a fall in income/turnover. Despite not opening for business, you will still have a number of business overheads e.g. wages, bills, mortgage, rent, bank loans, insurance premium and rates. Business interruption is an important part of your cover and contributes towards these continuing overheads. Please ensure the period of cover provided by your insurance after the date of loss, is of sufficient length to allow for you t return fully to the same level of trading as before the loss. This cover is available for up 36 months.
If you have employees, you are legally required to have employers' liability insurance and we can add this dependent based on the number of employees you have. In addition we offer public liability insurance, so if someone were to slip or trip on your premises and negligence on the part of the restaurant was found to be the cause, the policy would cover your legal defence and compensation required too.
If there's a problem in the kitchen and the food you serve 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 or merchandise you sell for customers to use at home.
Insure your restaurant's furniture, kitchen equipment, till systems and more on a new for old basis. Cover is scalable depending on the actual replacement values you need to insure. Choose your own cover limit to ensure you are correctly insured.
In the event of a claim please call the telephone number on your policy documents to speak with your insurer. They will talk you through your claim and help guide you through your next steps in the process.
You can also contact the restaurant claims support team at Towergate. If you feel you need additional support, or if you have concerns about the progression of your claim, our in house team are always on hand to help.
We're here to help Mon-Fri, 9am-5pm
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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.
Yes that’s fine just let the team know when you run through the quote.
We need to know your turnover to assess the size of your business. This can influence the premium and insurers cover available.
It depends; if buildings cover is included then the structure of the flat would be too. 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.
Yes, the second that we have confirmed your cover and set it up, you are insured from that point on. We will then issue your documents and policy presentation packs first class and emailed if requested.
We are able to negotiate rates with a panel of UK Insurance Underwriters, so please contact us if you already have a quote with another business insurance provider and we will see if we can save you money on your business insurance policy.
Yes! This is a frequently asked question and we use a panel of top insurers who are able to accommodate pubs/restaurants offering entertainment.
Yes we can offer personal contents through all the insurers we use. Which insurer will be most suited to your needs will be dependant on the amount of cover required.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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