Restaurant Insurance

Combine the cover your restaurant requires in one easy package.

  • Flexible limits depending on the needs of your restaurant
  • Cover for a variety of trades from Mexican to tapas
  • Insure your extras, we can cover dance floors and entertainment

Request a quote from the team, add your details here:

Get a quote

Call the team now to talk through your insurance needs:

0344 346 3306
0344 346 0409

We’re here for you Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Our restaurant insurance can cover you for the following:

Business Interruption

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.

Public and Employers' Liability

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.

Product Liability

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.

Flexible Contents Cover

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.

Restaurant Insurance Claims

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.

Call us on:

0344 892 1384

We're here to help Mon-Fri, 9am-5pm

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Restaurant Insurance FAQs

Do you cover loss of licence?

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.

I also own the building, can I cover this too?

Yes that’s fine just let the team know when you run through the quote.

Why do you need to know my annual turnover?

We need to know your turnover to assess the size of your business. This can influence the premium and insurers cover available.

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

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.

Can I be covered instantly?

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.

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

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.

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

Yes! This is a frequently asked question and we use a panel of top insurers who are able to accommodate pubs/restaurants offering entertainment.

Can you cover personal contents?

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.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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