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Frequently Asked Questions - Restaurant Insurance

At Constructaquote.com, we try to answer any questions you might have about the products and services we provide.

If you find that your question is not answered below, please don't hesitate to contact us direct by using the number at the top of this page, by submitting an enquiry form on the Contact Us page, or by getting us to call you via our 'call back' option.

Restaurant Insurance FAQs

Why do I need restaurant insurance?

Life can be very hectic running a restaurant or takeaway business, without having to worry about your business insurance cover. With a Constructaquote restaurant insurance quote, we’ll compare quotes from a range of UK insurance companies for you, saving you time and effort. We only work with reputable insurers so you can rest assured your business insurance is in safe hands.

Constructaquote.com restaurant insurance policies include fantastic benefits so you can concentrate on running your business knowing that you have the necessary insurance cover in place.

How do I get a policy?

To obtain a restaurant insurance policy, please fill out our simple form and one of our dedicated restaurant insurance account handlers will be in touch as soon as possible to discuss your business’ requirements and tailor a restaurant insurance policy accordingly.

What types of licensed trade establishments are covered?

A restaurant insurance policy through Constructaquote can cover all types of establishments, including:

Plus many more.

If you are unsure of whether your business falls under one of these categories, please call one of our dedicated restaurant insurance account handlers on 02920 849 537.

What is the money coverage benefit and how does it apply?

When operating a restaurant it is likely that you will have large sums of money on the premises at certain times. With this in mind, included with your restaurant insurance policy is cover for:

Money stored overnight in a safe at your establishment
Money in transit to the bank
Money whilst in business hours

Constructaquote quotes will insure these sums of money from £2,500 upwards.

What is glass coverage?

The glass coverage refers to your front of house glass.

What is business interruption insurance?

Business interruption insurance covers your business against those losses that occur following an insured loss. If your business was interrupted due to an insured risk (such as a fire), business interruption insurance could pay for your loss of earnings or additional costs for this period.

Constructaquote.com is a trading title of Moorhouse Group Ltd which is authorised and regulated by the Financial Services Authority. The Financial Services Authority's Register can be accessed through http://www.fsa.gov.uk/Pages/register Reg No 308035.

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Products & Services

Liability Insurance – This insurance can provide you with employer’s liability and product liability insurance. We offer a highly competitive standard package with optional extras.
Public Liability Insurance – Public liability is essential insurance for many businesses, especially those working closely with the public. We offer cover of £1m, £2m, £5m, or more on request. Only pay for what you need.
Employers liability insurance - If you have employees working for you, you are legally obliged to have employers liability insurance. We provide you with £10m of employers liability so you can rest assured you’re fully covered.
Shop Insurance – Retail insurance is a package of policies covering employer’s liability, public liability, business interruption and building insurance. Retail insurance is important for any business with premises. We offer a range of policies from top underwriters.
Professional Indemnity Insurance – This type of policy protects your business against claims for loss or damage if you are found to have been negligent in your duty. This is particularly important if your company imparts professional advice. Our policies cover businesses for a range of circumstances and are very competitive.
Restaurant Insurance – Our restaurant insurance packages can be tailored to your specific business needs. We provide you with a range of restaurant insurance options, from liability and business interruption insurance, to money and glass cover.