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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 4.6/5 based on 192 Feefo reviews

Get in touch with a
Restaurant Insurance advisor:

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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.

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

Get in touch with a
Restaurant Insurance advisor:

Or call:   

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)