Below, we have listed some of the key features for you to consider when looking for your restaurant insurance policy:
Product liability insurance
Business interruption insurance
Contents and stock insurance
Employers’ liability insurance
Public liability insurance
Money on Premises
Tailor your Policy
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.
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.
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.
Running a restaurant can be a stressful experience, as there are numerous risk factors involved, like working with hot equipment, food spoilage and the general public. 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.
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.
The price of your restaurant insurance policy will depend on things like: the size of your restaurant; features of your policy; level of cover required; number of staff; amount of equipment, and location.
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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