Restaurants Insurance

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.

The cost of your business insurance will depend on a number of factors, such as the size of your business, your turnover and the security measure you have in place. Our advisers will ask all the relevant questions and provide a tailored quotation from a panel of A-rated insurers.

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. Contents or stock cover will also 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. So 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.

Restaurant insurance claims typically follow a structured process to ensure that policyholders receive the compensation they are entitled to for covered losses. As soon as possible after an incident occurs you should contact your insurer via the details listed in your policy documents. You should gather as much evidence as possible. This may include photographs, witness statements and receipts. For liability claims, collect details about the incident, including the names and contact information of any witnesses.

Once your claim is submitted, an insurance adjuster will investigate the claim, which may involve visiting your restaurant, assessing the damage, and reviewing the evidence you provided. The adjuster will evaluate the claim based on the policy coverage, the evidence presented, and the circumstances of the incident. They will determine whether the claim is valid and how much compensation you may be entitled to. Shortly after you will receive a settlement offer. This offer will outline the amount they are willing to pay for the claim based on their assessment.