£998
Insurance for Restaurants
- Customers typically save 30% * with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
- Feefo Platinum Trusted Service Award winners.
Smei: Why Choose Us
Restaurants require a lot of hard work and investment to thrive. There always seems to be work to do even when the restaurant is closed ‒ whether that’s preparing for a busy day of covers, or cleaning the restaurant for the next day ahead.
Finding the right insurance policy may not be at the very top of your to-do list but it is important to ensure an accident or claim doesn’t mean the end of your business.
Because we’re a broker, we have access to flexible restaurant insurance quotes and policies from a selection of UK insurers. This means you can pick and choose which types of cover you need to protect your business. We can help to arrange an all-encompassing restaurant insurance policy that provides protection for the risks you face.
Speak to our team of experts in restaurant insurance for a free, no obligation quote.
You Could Save Over 30% with us*
List of Covers and Features
Standard covers**
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£2 million and £5 million for public and product liability.
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Employers liability insurance.
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Contents insurance.
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Flexible payment options including direct debit.
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Access to a 24-hour legal helpline.
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Access to documents anytime, anywhere via our secure portal.
Optional covers**
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Increased public liability up to £10 million.
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Buildings cover.
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Business interruption.
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Embedded breakdown.
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Business front window.
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Goods in transit.
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Legal expenses.
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Loss of rent receivable.
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Money on premises.
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Subsidence.
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Tenants improvements.
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Terrorism.
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Loss of licence.
Premiums from as little as
In the past 12 months our customers have paid as little as £998 per annum for restaurant insurance. That’s just £19 per week!
50% of our restaurant customers paid less than £2,237 per annum.***
* Click here to view our pricing disclaimer.
** Standard and optional covers may depend on the insurer.
*** Data compared from 267 policies sold in 2023. 63 customers paid £998 or less, which represents 24%. £19 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
Frequently Asked Questions
Some types of insurance may be a legal requirement. Others may not be compulsory, however not having the right insurance for your business could be a false economy. For example, if you don't have the necessary protection in place and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements. This should provide you with peace of mind that a claim won't be damaging to your business should the worst happen.
The cost of your insurance policy depends on your needs. Our flexible policies can be tailored to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with different features and prices. We'll find you several possibilities to ensure you have all the information you need before deciding on the best option for you.
In general, you should consider business interruption cover to protect you against unexpected loss of income. If you own your building, buildings insurance will provide cover for the rebuilding cost of your premises should an incident occur that is covered under your policy. Speak to one of our advisers to find out what other options are available.
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