Restaurant Insurance | Right Cover & Price

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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.

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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.

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

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"Joe was polite, efficient and friendly. He talked through the questions, sent through the quotes and followed up everything as promised. The whole experience was pain free, efficient and he got a great quote for us too!"

Mr Simpson, Marketing Consultants, Banbury. (Customer since May 2017)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”"

Mr Livesey, Newsagents, Kendal. (Customer since August 2017)

"Friendly staff, very helpful. They always called me back when I requested it and didn't pressure me into buying. They searched the market for the best deal for my needs and I couldn't be happier. I would be definitely recommend them!"

Mrs Chalise, Laundry/Dry Cleaners, Warrington. (Customer since May 2017)