Restaurant Insurance

Cover for all types of establishment, from coffee shops to Michelin-starred restaurants.

Whether you’re a small café needing Coffee Shop Insurance or a well established gastro pub needing Inn Insurance, you will need all types of cover to ensure you are protected.

Restaurants are high risk places for both customers and employees. Fast-paced, busy environments, working with heat, food and alcohol is a sure fire place for accidents to happen, even with the most stringent of health and safety measures in place.

Your business is too valuable to be incorrectly insured and it can be difficult to navigate through all the insurance jargon on policy documents to make sure you are adequately covered.

A tailored insurance policy from Ellis David allows you to get on with your job knowing that should an accident occur in your restaurant, you are protected. You can feel confident in dealing with reputable commercial property insurance brokers such as Ellis David who will be able to help find you the best policy for your restaurant insurance coverage.

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Key features:

Fire / Flood / Theft / Accident Damage

Cover for damage to your business premises caused by fire, lightning, explosion, malicious damage, theft, storm, flood, escape of water, subsidence and more.

Multi-location business interruption

Cover for loss of revenue caused by damage to the premises.

Provides compensation for lost business revenue as a result of property damage – ideal for small chains.

Loss of drinks / entertainment license

Protect your livelihood in the event of a license being revoked.

Your license could be refused for many reasons beyond your control. We can provide cover that ensures you have peace of mind and protects your income.

Public and Product Liability Cover

What if a member of the public blamed you for their illness in the restaurant, or afterwards after consuming food or drink you served.

We offer comprehensive cover against claims made against you.

What does Restaurant Business Insurance cover?

A typical Restaurant Insurance policy will include:

Employers Liability
A legal requirement by law if you employ any staff whether paid, volunteers or part time. This will cover you should an employee become injured, or worse as a direct result of working for you.

Public Liability
To protect you in the event of a member of the public having an accident at your restaurant.

Buildings and Contents Cover
A restaurant can have large volumes of expensive equipment and furnishings. If everything in your restaurant was to be stolen or damaged, could you afford to replace everything all in one go? This can also be arranged to cover expensive wines and spirits.

Legal Fees
Cover the cost of any legal fees or compensation you are instructed to pay out.

Every restaurant is different, therefore their requirements are different.

Click to complete a form for a free, no obligation quote:

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We can tailor a policy to suit your needs so that you have all the correct cover in place.

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Have you ever been convicted of any offences involving fraud, theft, false accounting or other dishonesty or an offence (whether or not in the United Kingdom) relating to companies, building societies industrial and provident societies, credit unions, friendly societies, insurance banking or other financial services, insolvency consumer credit or consumer protections, money laundering, market manipulations or insider dealing? (required)	YesNo
Are you the subject of any current criminal proceedings? (required)	YesNo
Have you any convictions for any offences other than those listed in question 1 a) above which are not spent, whether or not in the United Kingdom (excluding traffic offences unless these resulted in a ban from driving or involved driving without insurance)? (required)	YesNo
Are you or have you ever been the subject of any civil proceedings, arbitration or litigation, including proceedings that resulted in a County Court Judgment (CCJ) or other judgement debts, in the United Kingdom or elsewhere? (required)	YesNo
Are you aware of any intention to begin such proceedings against you in the future? (required)	YesNo
Do you have any judgement debts (including CCJs) made under a court order still outstanding, whether in full or in part? (required)	YesNo
Have you ever failed to satisfy any such judgement debts within one year of making of the order (required)	YesNo
Are you or have you ever been, the subject of any bankruptcy proceedings, or proceedings for the sequestration of your estate? (required)	YesNo
Have you ever entered into a deed of arrangement or an individual voluntary arrangement (or in Scotland a trust deed) or other agreement in favour of your creditors, or are you doing so? (required)	YesNo
Have you ever been found guilty of conducting any unauthorised regulated activities or been investigated for possible conduct of unauthorised regulated activities? (required)	YesNo
Are you, or have you ever been, the subject of an investigation into allegations of misconduct or malpractice in connection with any business activity? (required)	YesNo
Have you ever, either in the United Kingdom, or elsewhere been - (required)
- refused entry to, or been dismissed or requested to resign from, any profession, vocation, office or employment, or from any fiduciary office or position of trust, whether or not remunerated? (required)	YesNo
- refused, restricted in, or had suspended, the right to carry on any trade, business or profession for which specific licence, authorisation, registration, membership or other permission is required? (required)	YesNo
- disqualified by a court from acting as a director of a company or from acting in a management capacity of conducting the affairs of any company, partnership or unincorporated association? (required)	YesNo
- the subject of a disqualification direction under section 59 of the Financial Services Act 1986 of a prohibition order, under section 56 of the Financial Services and Markets Act 2000, or received a warning notice to make such a direction or order? (required)	YesNo
Have you ever been a controller, director, senior manager, partner or company secretary of a company, partnership, or unincorporated association? If you answered "no" to question 8 you may proceed to section 12. Please tick (required)	YesNo

In respect of activities regulated by the FCA have you, or any company, partnership or unincorporated association of which you are or have been a controller, director, senior manager, partner or company secretary, during your association with that entity and for a period of three years after you ceased to be associated with it, ever - (required)
- been refused, had revoked, restricted or terminated any licence, authorisation, registration, notification, membership or other permission granted by any such body? (required)	YesNo
- been criticised, censured, disciplined, suspended, expelled, fined, or been the subject of any other disciplinary or intervention action by any such body? (required)	YesNo
- resigned whilst under investigation by, or been required to resign from, any such body? (required)	YesNo
- been the subject of any civil action which has resulted in a finding against you or it by a court? (required)	YesNo
Has any company, partnership or unincorporated association for which you have been a controller, director, senior manager, partner or company secretary, in the United Kingdom or elsewhere, at any time during your involvement or within one year of such an involvement – (required)
- been put into liquidation, wound up, ceased trading, had a receiver or administrator appointed or entered into any voluntary arrangement with its creditors? (required)	YesNo
- been declared by a court liable for any fraud, misfeasance, wrongful trading or other misconduct? (required)	YesNo
- been investigated or been involved in an investigation by an inspector appointed under companies or any other legislation, or required to produce documents to the Secretary of State, or any other authority, under any such legislation? (required)	YesNo
- been convicted of any criminal offence, censured, disciplined or publicly criticised, by any inquiry, by the Takeover Panel of any other governmental or statutory authority or any other regulatory body (other than as already indicated under 10 b))? (required)	YesNo
Are you currently a director of any company other than one which is a part of this company? (If “yes” please give details on the supplementary sheet). (required)	YesNo

Restaurant Insurance

Whether you’re a small café needing Coffee Shop Insurance or a well established gastro pub needing Inn Insurance, you will need all types of cover to ensure you are protected.