If you own or run a restaurant, you will understand how busy an environment it can be. We appreciate that free time can often be a luxury and try to support restaurant owners by making it as easy as possible to take out restaurant insurance.
We compare quotes from a range of restaurant insurance providers to get you the best deal we can. The below are some of the cover types you could include with your restaurant insurance policy:
Public liability insurance
Public liability insurance is essential cover for any business that comes into regular contact with clients or members of the public, which makes it essential insurance for restaurant owners. If your business operations were to injure or make ill a member of the public, public liability insurance would cover you in the event of a claim being made against you.
Employers’ liability insurance
If you have employees working for you, you are legally obliged to have employers’ liability insurance. Every business in the UK that employs staff, regardless of size or turnover, is required to have at least £5 million of employers’ liability cover in place.
Restaurant building insurance
If you own or are responsible for insuring your restaurant premises, this optional add-on will cover you should your building become damaged as a result of fire, flood, theft or other such risks.
Restaurant stock and contents
Stock and contents insurance insures you against the same risks as building insurance, but for your stock, equipment, fittings etc.
Business interruption
If your restaurant had to stop trading due to an unexpected occurrence such as a fire, flood or theft, business interruption would cover you for any income lost and additional expenditure spent during this period.