Customers enjoying a meal

Food & Drink Insurance 

Are you the proud owner of a thriving café, a bustling restaurant, or a trendy coffee shop in the heart of the UK's culinary scene? Perhaps you're the mastermind behind a catering company that whips up delectable dishes for events that leave guests raving. Maybe you're the heartbeat of a lively nightclub, a beloved local pub, or a popular takeaway joint that satisfies the late-night cravings of your community.

No matter where you fall within the food and drink sector, one thing is certain: you've poured your heart, soul, and countless hours of hard work into building your culinary empire. Your passion and dedication have made your establishment a cornerstone of your local community, and it's not just a business; it's your dream brought to life.

In the dynamic world of food and drink, unforeseen challenges can arise at any moment. Whether it's a sudden kitchen fire, an unexpected food safety issue, a slip and fall accident on your premises, or even a legal dispute with a supplier, the road to success can be fraught with potential pitfalls.

That's where we come in. At Premierline, we understand the unique risks and challenges faced by professionals like you in the food and drink sector. We're here to help you protect what you've built with our comprehensive and tailored business insurance solutions.

Between ensuring customer satisfaction, staff safety and maintaining your cafes property, there are a number of things that could go wrong.
Whether you're a mobile caterer, running a food van or renting a kitchen there are numerous insurance options to consider to protect you.
Liability insurance is an essential cover for any coffee shop owner to consider, it's designed to protect customers, staff and suppliers.
Fish and chip shops can be particularly risky with hazards and dangers ranging from fires to fryers, managing these exposures is key.
Nightclub insurance covers the risks and exposures faced by those in the industry that could lead to losses or claims being made against you.
Long opening hours, late closures, overcrowding and drunk customers are just some of the risks your pub could face at one time or another.
Restaurants have a number of insurance needs that you'll want to cover to ensure you're protected in the event of unforeseen loss or damage.
If you're running a sandwich shop for people to meet and relax and grab a bite to eat, you need protection in case something goes wrong. 
The fast-paced nature, high volume of customers and long hours makes the takeaway industry riskier than you think, so insurance is a must
The hospitality industry is full of serious risks and potential for disaster. Wine bar insurance is just one way to help reduce these risks.
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Food and drink insurance is a tailored form of business insurance designed to protect establishments in the food & drink industry, such as restaurants, cafés, pubs, and catering services. It provides coverage for various risks, including property damage, liability claims, employee injuries, and more. You need it to safeguard your business against unexpected events that could disrupt operations or lead to financial losses.
Food and drink insurance is relevant to a wide range of businesses, including restaurants, cafés, coffee shops, pubs, nightclubs, takeaways, and catering companies. Any establishment involved in food preparation, service, or distribution can benefit from tailored insurance coverage.

Food and drink insurance can include various types of coverage, such as:

  • Public liability – for injured guests or damage to their property.
  • Employers' liability – to protect your employees.
  • Buildings cover – to cover for loss or damage to your building.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
While it's not legally required for all food and drink businesses in the UK to have insurance, certain types of coverage, such as employer's liability insurance, are mandatory for those with employees. However, it's highly advisable for all businesses in the sector to have comprehensive insurance to protect their assets and mitigate risks.
Choosing the right insurance cover depends on the size and nature of your business, as well as its specific risks. It's best to work with an experienced insurance broker such as Premierline. We have insurance experts on hand to assess your needs and recommend a tailored insurance package that provides the protection your business needs.
Yes, insurance cover can be adjusted as your business evolves. In fact, it's essential to regularly review your policy to ensure it aligns with your current operations and risks. You can work with insurance experts to make necessary adjustments to your food & drink insurance policy.
Insurance eperts at Premierline
  • Award winning service
    We're trusted by thousands of SMEs across the UK
  • Comprehensive protection
    We can help with all your commercial insurance needs
  • UK based experts
    Located in Lancaster, our advisors are here to help
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“Excellent customer service. Friendly, relaxed manner whilst very professional. The two team members I spoke to were friendly and clear. They were both very professional and very efficient and my insurance was sorted swiftly.”
Catering Business Owner
Customer since January 2024
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

At Premierline our aim is to provide you with the peace of mind you need to focus on what you do best – crafting delicious meals, creating memorable experiences, and delighting your customers. We'll handle the intricacies of insurance so that you can continue to make your mark in the food and drink industry.

Ready to take the first step towards comprehensive protection for your food and drink business? Explore our range of insurance options or get in touch with our expert advisors today.

Lines open Monday to Friday 9:00am - 5:00pm
We'll call you to arrange a new insurance quote.
We'll get back to you as soon as we can.