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Running a restaurant can be an incredibly stressful experience, so restaurant insurance is designed to relieve you of at least some stress, giving you peace of mind knowing you and your business are protected.
A restaurant is a high risk environment, for both employees and customers alike. The kitchen can be a particularly tense environment as well as carrying plenty of risks including burns, cuts and slippages. Not to mention the potential for waiters to injure themselves or a custom should they trip. Customers are also at risk of food poisoning, something which can happen even in a Michelin star restaurant.
Accidents are never planned, but with restaurant insurance you will be protected.
Restaurant insurance is made up of a variety of different features and optional extras. We know that every restaurant will require slightly different restaurant insurance policy, which is why you can tailor your policy so it contains exactly the cover that you need.
Below, we have listed some of the key features for you to consider when looking for your restaurant insurance policy:
This is a legal requirement if you employee any staff, and will protect them, you and crucially your business in the event of an accident. If an employee is injured whilst working on your premises, they are entitled to make a compensation claim against you. These can easily run into the thousands, but employers liability insurance will cover any legal costs you sustain, as well as the cost of the compensation claim.
Although this is not a legal requirement, it is risky not to have a public liability insurance in place when running a restaurant. If a member of the public is injured or their property is damaged whilst on your premises, they are within their rights to launch a compensation claim against you. As the owner of the restaurant, you are liable for all the legal costs as well as the cost of the claim. With public liability insurance, you are covered for the legal costs and any cost associated with the compensation claim.
Serving food has its own unique risks. People can succumb to food poisoning at any time, whether they are eating a kebab or settling into a 7 course meal at a prestigious restaurant. As a restaurant, your product is food, and product liability insurance will protect you and your business in the event that someone suffers injury as a result of your product. It will cover the costs of any compensation claim, and any legal fees associated with defending such a claim.
Your restaurant is your income, and any interruption to your business means you will suffer from a loss of income too. This interruption could be anything, from staff leaving so you are unable to open, to being forced to close due to damage caused by a bust pipe. Business interruption insurance will cover you in this situation, and make sure you are still earning until your business is back on its feet again.
Stock for a restaurant can be an expensive investment, as well as the contents such as furniture, glassware and cutlery. If a freezer were to break overnight, you could end up losing thousands of pounds worth of stock. Contents and stock insurance will protect you from bearing the financial burden. Make sure that your stock insurance policy includes any likely seasonal increases in stock, such as around Christmas time.
The price of your restaurant insurance policy will depend on
It is worth noting that you should ensure your policy contains all the features you require, and that it does not leave you underinsured.
Saving a few pounds on your policy by losing cover could end up costing you a fortune in the long run.
So if you want to get a quote from our range of expert providers, then make sure you fill out an online quote form today!