If you own or run a restaurant, we understand how hectic an environment it can be. We appreciate that free time can often be a luxury, which is why we support restaurant owners by making it as easy as possible to find great restaurant insurance quote rates and take out effective insurance for restaurants.
We compare quotes from a range of insurance providers to get you the best restaurant insurance quote available.
What’s Included in Restaurant Insurance
We can tailor your restaurant insurance to meet your precise requirements. Cover types that could be included within your policy are:
Public liability cover
Public liability insurance is essential cover for a restaurant, as it comes into regular contact with members of the public or clients. A public liability policy will provide protection against claim being made against you, in the event that business operations were to injure a member of public or make them ill.
Employers’ liability cover
A business is legally required to obtain employers’ liability insurance if it employs any amount of staff. A restaurant is likely to require a number of people to assist in the day to day running of the business, this means that it will need to have cover by law. Whether there are 1 or 10 employees in the business, a minimum of £5million employers liability is required.
This is an optional benefit that can be included included in your restaurant insurance quote on request. It will cover the premises in the event of any damage caused by risks such as fire, theft or flooding.
Stock and contents insurance
An additional benefit that protects stock, equipment and contents in the event of theft or damage caused by uncontrollable circumstances such as flooding or fire.
Business interruption insurance
Business interruption would cover any expenditure or loss of income that would occur if an unexpected incident was to arise such as theft, fire or flooding.
The ConstructaQuote Restaurant Insurance Package
The ConstructaQuote quote package typically includes the following:
- Restaurant liability insurance – Essential protection for your restaurant, takeaway or fast food outlet.
- Liability protection – Public liability cover up to £2 million.
- Employers liability – Automatic cover up to £10 million.
- Business interruption – Standard cover available up to £1 million.
- Money cover – Included as standard.
- Glass cover – Included as standard.
- Personal assaults in work hours - Included as standard.
Optional extras include:
- Loss of alcohol licence protection
- Goods in transit protection
- Legal cover
Please see our Frequently Asked Questions (FAQs) page for further information about our restaurant liability insurance policies or for more information about how we create our excellent restaurant insurance quote offers.
If you would like to receive a quote from ConstructaQuote, please fill in the enquiry box above or speak one-to-one with a member of our experienced team.