Cover for all types of establishment, from coffee shops to Michelin-starred restaurants.
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.
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 £2m compensation per location 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:
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.
To protect you in the event of a member of the public having an accident at your restaurant.
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.
Cover the cost of any legal fees or compensation you are instructed to pay out.
Every restaurant is different, therefore their requirements are different.
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