What is Restaurant Insurance?
Restaurant insurance is a tailored insurance package designed to cover the unique risks that come with running a restaurant, cafe, or takeaway. It bundles various types of coverage, including commercial property insurance, public liability, employer’s liability, and business interruption insurance, to help protect restaurant owners from financial losses due to unforeseen incidents. Whether you run a small, family-owned eatery or a bustling chain of restaurants, having the right restaurant insurance can provide peace of mind and financial protection.
Types of Establishments Covered by Restaurant Insurance
Restaurant insurance is versatile and covers a wide range of establishments, including:
- Fine Dining Restaurants – High-end eateries that prioritize ambiance, quality, and service.
- Cafés and Coffee Shops – Serving coffee, snacks, and light bites in a casual environment.
- Fast Food Outlets – Quick-service restaurants with high customer turnover.
- Pubs and Bars – Establishments serving food and alcoholic beverages.
- Caterers and Food Trucks – Mobile or event-based food services.
- Takeaways and Delivery Services – Businesses focused on food delivery and pick-up.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
What is Covered by Restaurant Insurance?
What is Not Covered by Restaurant Insurance?
While restaurant insurance covers many risks, there are certain situations and losses it typically doesn’t cover.
Who Needs Restaurant Insurance?
Whether you run a fast-food chain, coffee shop, food truck, fine dining establishment, or catering business, restaurant insurance is essential. It protects you from costly legal fees, equipment breakdowns, and other unexpected events. This coverage is valuable for:
- Restaurant Owners
- Cafes and Coffee Shops
- Caterers
- Food Trucks
- Bars and Pubs
Having comprehensive insurance not only protects your assets but also builds credibility and trust with customers and employees.
How To Get Business Property Insurance
When it comes to getting insurance for a business premises, we have you covered.
Simply complete our quote form and one of our agents will work out who is best to provide you your insurance quotes. We enable you to compare policies quickly and easily, helping you save both time and money.
How Much Does Restaurant Insurance Cost?
The cost of restaurant insurance varies widely based on factors like the size of the restaurant, location, coverage limits, and claims history. On average, restaurant owners can expect to pay between £2,000 and £5,000 annually for a comprehensive policy. Factors influencing your premium include:
- Type of food served (e.g., alcohol-serving establishments may have higher costs)
- Location – Urban areas may have different rates compared to rural locations.
- Number of employees – The more staff you have, the higher your premium for workers’ compensation.
- Type of coverage – Basic coverage is less expensive than comprehensive plans with multiple add-ons.
- Revenue and assets – Larger businesses with higher revenue often pay more for coverage.
How to Compare Restaurant Insurance Quotes
Getting the best restaurant insurance requires comparing quotes from multiple providers. Here’s a step-by-step guide:
- Assess Your Coverage Needs – Make a list of the types of coverage most relevant to your business.
- Gather Information – Collect information about your business, including revenue, number of employees, and location.
- Request Multiple Quotes – Contact insurance providers for quotes tailored to your needs and review their coverage options.
- Evaluate Each Policy – Look beyond price. Check policy limits, exclusions, deductibles, and add-ons.
- Ask for Discounts – Some providers offer discounts for bundling policies or having safety measures in place.
