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Compare restaurant insurance

Every restaurant owner will be fully aware of the unique risks their business is exposed to and finding the right restaurant insurance to protect against these risks can be challenging.

We can do all the hard work for you and arrange insurance that meets your individual restaurant requirements. As we work with a varied panel of insurers, we can get you a range of comparative quotes at competitive prices. Our advisors are also on hand to make recommendations so you can make the right choice for your livelihood.

Whether you are looking to cover an Indian restaurant, bistro or Chinese restaurant, call us for advice. Alternatively you can request a call back and we'll phone you.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.7/5 based on 294 Feefo reviews

Start your insurance quote:

For advice:   
Request a call back


Business insurance for restaurants

Restaurant insurance caters for the variety of risks that restaurant owners are exposed to on a daily basis. There are a number of challenges in running a restaurant and such a busy environment can increase this exposure, no matter how careful you are. Therefore having the right cover in place to protect your livelihood is essential.

Liability insurance for restaurants

The nature of working in such a busy environment means that unforeseen events could lead to financial loss. The smallest spill could lead to a slip, leaving you exposed to injury claims and compensation awards. Public and Products liability cover can ensure that your liability towards members of the public is protected against these unexpected circumstances. It can even protect you if you accidentally gave a customer food poisoning.

Employers' liability insurance can protect you if an employee injures themselves during the course of their employment and again will typically cover compensation awarded as a result.

Restaurant buildings and contents cover

As well as ensuring your legal liabilities are covered, buildings, contents, furniture, stock and equipment will also need protecting through your restaurant cover. We can even arrange cover to protect your business equipment away from your premises. You can insure against a number of perils, from fire and flood damage to storm and subsidence. Your freezer stock can also be covered in case of freezer breakdown as the result of a power cut.

Business interruption for restaurants

If you were to suffer damage at the premises as a result of a fire, you may be faced with temporary closure while the premises is repaired or rebuilt. Business interruption is key here, as this cover would protect your income if you were unable to trade as a result of an insured event. It can also cover any business expenses and staff wages that you are still obliged to pay.

Compare restaurant insurance quotes

So whether you are looking for fast food restaurant insurance, Indian restaurant insurance, Chinese restaurant insurance or any other type of restaurant insurance, we can find the cover that is right for you. We have many years’ experience sourcing cover for this sector and understand the risks and exposures you face on a daily basis.

Speak to our advisors today who are on hand to make arranging your restaurant insurance simple and hassle-free.

Add 24/7
Business Emergency
cover for less than £79

Protect your business, minimise disruption and save money on emergency repairs.

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Restaurant covers to consider:

  • Buildings, contents and equipment
  • Deterioration of stock cover
  • Outside catering
  • Public and products liability
  • Employers' liability
  • Business interruption
  • Loss of licence cover


Start your insurance quote:

For advice:   
Request a call back


"Very impressed with their efficient approach and the care and attention they pay to customers. I would recommend them and look forward to using them again. They were that impressive they got the business from our normal broker who we have used for 30+ years!"

Mr Appleby, Property Owner, Lancashire (Customer since November 2018)

"I'm so pleased to have bought from them. I made a huge saving on my insurance for my small business and they were so helpful and explained everything. A very happy new customer.”

Miss Saunders, Beauty Salon, Altrincham (Customer since February 2019)

"It was a very efficient service. They gave me my chosen quote and set everything up within minutes. No trouble at all. I'm very happy with Premierline's service and will definitely recommend them"

Dr Chatterjee, Dentist, Warrington (Customer since July 2016)