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Why Use QuoteSearcher for Restaurant Insurance?

Running a restaurant involves managing a fast-paced environment where customers, staff, equipment and suppliers interact throughout the day. From front-of-house service to back-of-house food preparation, there are multiple operational risks that can affect the continuity of the business.

Restaurant insurance is typically arranged on a tailored basis rather than as a one size fits all product. Policies are typically assessed based on factors such as the type of food served, alcohol sales, opening hours, number of employees, and the layout of the premises. These variables can influence both the level of cover available and the cost of the policy.

QuoteSearcher works with a panel of brokers who specialise in arranging cover for restaurant and hospitality businesses. By completing a short form on our site, we connect you with brokers who understand the day-to-day risks faced by cafés, restaurants, bistros, and gastropubs, and who can discuss cover options based on how your business operates.

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Restaurant Insurance Policy Features

Please note, restaurant insurance depends on the insurer and policy terms, and may include the following features:

Public Liability Insurance for Restaurants

May help cover claims made by members of the public who suffer injury or illness while on your premises, such as slips, trips, or food-related incidents.

Employers’ Liability Insurance

A legal requirement for businesses that employ staff. This cover may protect against claims made by employees for injury or illness arising from their work activities. Find out more about Employers’ Liability.

Business Interruption Insurance

May help cover loss of income if your restaurant is unable to operate following an insured event such as fire, flooding, theft, or vandalism. Read more about Business Interruption Cover.

Contents and Stock Insurance

Cover may apply to kitchen equipment, furniture, fixtures, and food or drink stock if items are damaged, stolen, or rendered unusable after an insured incident. Find out more about Contents and Stock Insurance.

Typical Risks Faced by Restaurants

Food and Drink-Related Incidents
Hot food and beverages can cause burns or scalds if spilled or handled incorrectly, potentially leading to customer or staff claims.

Food Preparation and Hygiene Risks
Food contamination or food poisoning incidents may arise if preparation, storage, or hygiene standards are compromised.

Cleaning Products and Hazardous Substances
Restaurants often store commercial cleaning chemicals, which may pose a risk if mishandled or improperly stored.

Kitchen Equipment Injuries
Ovens, grills, and deep fryers increase the risk of burns and other injuries, which can result in staff absence or liability claims.

Is Restaurant Insurance Compulsory?

Restaurant insurance itself is not legally required as a single policy. However, certain types of cover are compulsory depending on how your business operates.

If you employ one or more members of staff, including part-time or temporary workers, employers’ liability insurance is a legal requirement in the UK. Failure to hold this cover can result in significant daily fines.

Other types of insurance, such as public liability or business interruption cover, are not mandatory by law but are commonly arranged by restaurant owners due to the financial exposure involved in customer claims, property damage, or unexpected closures.

FREQUENTLY ASKED QUESTIONS ABOUT RESTAURANT INSURANCE

- What is restaurant insurance?
  Restaurant insurance is designed to protect people and businesses who own a restaurant, bar, bistro, public house, guest house, cafe, hotel, or takeaway outlet. Restaurant insurance policies will vary from one insurer to the other, and policies will also differ depending on the requirement and the type of establishment you are running.
- What features will be included in my restaurant insurance policy?
  Normally your restaurant insurance policy will include the following: liquor liability, business interruption insurance, contents insurance, and public liability insurance. You can check details of the policy with the insurance provider.
- We have a children’s play area in our restaurant, will this be covered by a restaurant insurance policy?
  Yes, you should find that this will indeed be covered by a restaurant insurance policy. It would be a good idea to check however in case any extra cover is indeed required. If you wish to include a children’s play area, and you are unsure whether your insurer will cover you, then simply get in touch with them via email or, if you prefer, over the phone.
- We have tables outside our restaurant, will this affect the policy?
  Most restaurant insurance companies will not see this as an issue, and will therefore provide cover for your tables outside. If you are at all unsure however, then it may be a good idea to contact your restaurant insurance provider in order to check.
- Sometimes we hold BBQ’s in the beer garden, would this be covered?
  Yes, most insurers would not have an issue with this. If you are at all worried however, then check with the particular restaurant insurance provider you are insured with. Or, if you are enquiring about new quotes, and this is a concern to you, then to give yourself peace of mind, get in touch with the insurance company in order to find out.
- Will my goods be insured for loss or damage whilst making deliveries?
  Yes, restaurant insurance companies will offer this as an extra to your insurance policy. If you have an already existing insurance policy for your restaurant and you wish to add this to your policy, then you may be able to do so by contacting your insurer directly via telephone or email.
- If I own a multitude of restaurants would I need to have several policies?
  Not necessarily, most restaurant insurers will provide you with cover across all different properties. Of course you will need to check this with specific insurers. You may also be offered different levels of premiums if you have a multitude of restaurants.
- Will it be cheaper if I were to buy multiple policies from the same insurer?
  Yes, if you were to buy multiple insurance policies from the same insurer, then this is more than likely to reduce your restaurant insurance quotes. It may be possible to contact specific insurers to enquire about such a matter.

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