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.
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.
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.
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.
So whether you are looking for 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.
So whatever your insurance requirements speak to one of our experienced advisors today and they'll ensure you get the right cover to suit your business.