Restaurants Insurance

Restaurant Business Insurance Policies Served Exactly the way you Want it.

Restaurants, like The White Swan at Fence, Lancashire (pictured above), 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.

We understand that you may not have the time to be searching the internet or making dozens of calls to find the right insurance. That’s why we do it all for you. All you need to do is give us a call and let us know what you’d like your insurance policy to cover or protect and we’ll arrange it for you.

As we’re an insurance broker, we have access to a wide range of specialist restaurant insurance providers who can tailor a policy to your exact needs. Let us know your specific requirements and we will do our best to arrange a restaurant business insurance policy that works for you.

You Could Save Over 30%*

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Accidental damage
Book debts/account receivable.
Buildings cover
Business interruption.
Contents insurance.
Embedded breakdown
Employers liability.
Glass
Goods in transit
Legal expenses
Loss of rent receivable.
Money in a safe
Money on premises
Public and products liability.
Subsidence.
Tenants improvements.
Terrorism

Premiums from as little as

£998

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.***

Why Insurance for Restaurants is Important

These risks, especially the ones that relate to the health and safety of your customer can be a concern. Therefore, it is vital to ensure that you have the right cover to protect not only the people who eat at your restaurant but also your business itself.

Some examples of the issues that can arise within the restaurant industry that could be covered with the correct restaurant business insurance policy include: a slip due to a spilled drink or food; food poisoning; employee injury either in the kitchen or whilst serving food; or deterioration of freezer stock loss due to an electrical fault.

By speaking to an experienced insurance professional, you can have peace of mind knowing that your livelihood is protected from possible risks which could affect your business.

Did you know that smei offers specialist pub insurance, takeaway insurance and café insurance?

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon 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

The cost of your policy depends on your needs. The policies that we arrange are very flexible and can adapt to fit your requirements. We will present you with several options so you can make an informed decision on which policy is most appropriate for you.

Public and employers liability protect you if a member of the public or an employee is injured or their property is damaged on your premises. Product liability insurance protects you if a customer becomes ill or their property damaged as a result of the food or drink you serve. Many restaurant insurance policies come with product liability cover as standard but it's important to double check. To ensure you are protected, include it in your requirements and we will make sure you're covered.

If you serve alcohol, you may want to consider cover for loss of licence. This will protect you if your licence is revoked and allows you the time needed to recover it. Loss of licence is often an optional extra available from many insurance providers. Without your stock you wouldn't be able to run your restaurant. Optional cover is available for deterioration of stock, for example if your fridge breaks down and food spoils. Similarly, contents or stock cover will often protect your stock from theft, fire, flood, or malicious damage.

The restaurant insurance policy we arrange will vary depending on your needs, so we don't have an extensive list of features. However, if you tell our team exactly what you need and want covering, then we can arrange a policy that suits you.

Some types of insurance may be a legal requirement. Others may not be compulsory but are recommended to protect you in the event of a claim. Not having the right insurance for your restaurant could be a false economy. For example, if you don't have the necessary protection and a customer becomes ill with food poisoning, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements and provide you with peace of mind that a claim won't be damaging to your business.