There are so many benefits to running a restaurant business, from a busy and vibrant atmosphere, to supporting the community you are situated in. However, there are also risks associated with managing this type of business, whether they are about customers, employees or the building itself.
Although you may think you are prepared for everything the industry can throw at you, having the best insurance for a restaurant is the only way to be fully protected. Finding restaurant insurance quotes can often be difficult, as every broker offers something different in their policies, and you need to have peace of mind that you are paying the best possible premium with the most cover.
We canvas a wide range of experienced, specialist restaurant insurance brokers and bring the most suitable company directly to you. Whether you are looking for food insurance for your café, or business insurance for your gastropub, we can put you in touch with the right people who can offer you the most competitive quote.
Restaurant Insurance POLICY FEATURES
This feature covers you for claims made against you by a member of the public who has been injured or made ill whilst on your premises. Learn more about Public Liability.
A legal requirement for any business that employs staff, it covers you for claims made against you by employees for injury or accident. Find out more about Employers’ Liability.
This ensures an income in the even of your restaurant being inoperable for any reason, such as fire, flooding, theft or vandalism. Read more about Business Interruption Cover.
Contents and Stock Insurance
If your equipment is stolen or broken, or if your food/drink products perish and are inedible, the value will be covered by this feature. Find out more about Contents and Stock Insurance.
Restaurant Insurance Risks
Hot food/drink Both customers and staff could be injured by hot food and drink that is not properly stored or transported
Food preparation Food poisoning is a real worry for cafes and restaurants, so adequate cover is integral to protect you from significant reparations
Hygiene and hazardous chemicals Restaurants often have potentially dangerous cleaning chemicals on site, so these need to be properly stored to avoid danger
Kitchen-related injuries Dealing with hot food equipment, like deep fryers for example, can result in burns. Your staff must be protected financially if they cannot work due to such an injury.
FREQUENTLY ASKED QUESTIONS ABOUT 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.
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.
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.
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.
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.
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.
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.
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.
Thanks to QuoteSearcher I am now fully insured. After looking at all the quotes I received, I chose the right policy for me and was insured more or less straightaway!
Johanna Pena – Surbiton, Surrey
I completed one simple form on QuoteSearcher and received a number of excellent quotes from a number of different insurers. These were all cheaper than any quotes I had received previously and I ended up saving a bundle!
George Taylor - Cardiff
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