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Restaurant insurance

Running a restaurant can come with a wide array of challenges, make sure you find the cover best suited for your business with

Why us?

  • We have been working in this line of business since 1990
  • Through our employers’ liability insurance add-on, we are able to provide £10 million of cover as standard
  • Our UK based call centre is ready to help you with your insurance needs
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What is restaurant insurance?

All restaurants carry risks, regardless of their size. Although many restaurant managers have strict health and safety measures in place, there are always risks involved in the food industry.

For example, a customer within your restaurant could slip on a spill or fall ill from food which your business served. If your business is sued for compensation, you could be liable to pay a substantial amount.

If you have adequate restaurant insurance in place you will protect your business, so that you can focus on what is important. Thankfully, here at, we are able to provide restaurant insurance policies which cater to your exact requirements.

We can provide a variety of insurance policies, which are designed to cover the exact establishment you operate. We also understand the importance of providing affordable cover, so you can be sure that your insurance will be provided at a competitive rate. Whether you require cover to protect visitors to your restaurant, insurance to cover the potential loss of stock or even insurance cover to protect your premises, we can assist.

Who needs restaurant insurance?

Although the aim for every restaurant is to attract a steady stream of customers, high levels of activity will increase the level of risk. Whether you are a leading high-end restaurant or a fast food takeaway, there will be risks associated with your operations.

From the moment your business opens its doors to its employees and customers, you have a duty of care. This extends to every person who comes into contact with your premises and your business activities. This means your restaurant should take precautions to reduce the risk of injury or potential damages to other properties.

Whether you run a small restaurant or a large multi-chain establishment, we are able to offer up to £1 million of cover as standard. Although, if required we can arrange insurance policies with cover of up to £10 million. Whether you are looking for public liability insurance, employers' liability insurance or another of our business cover options, our team are ready to assist you.

What does restaurant insurance cover?

Through our services, you can arrange restaurant insurance cover which provides compensation to protect your business. This will be provided up to a predetermined level. For example, cover for small breakages of tableware or large financial losses incurred during unexpected reductions in business trading times.

Did you know that by law you need to hold adequate employers' liability insurance? If you do not have sufficient cover, you could be fined £2,500 for each day without cover! Failing to display your insurance certificate could lead to a £1,000 fine.

We provide up to £10 million of cover as standard on all policies. By law, your restaurant should hold a minimum of £5 million, so this is just a single example of how we go beyond the minimum requirements.

We can provide access to the cover you need to fully protect your restaurant. Our policies take into account multiple factors, so that you have a flexible policy which meets your exact requirements.


  1. Since 1990, we've been helping businesses find the cover they need to stay protected
  2. UK based contact centre trained to help you with your insurance queries
  3. Flexibility to adapt your policies throughout the year
  4. Your cover can include own plant & tools, hired in plant and contract works

Read our guides

Read our FAQ's

Before insurers quote you a premium for your policy, they will first consider a number of factors…

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The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required. 

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As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by…

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If you have been working without a professional indemnity policy, we can backdate your professional indemnity insurance policy provided that…

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