Restaurant insurance

If you own or operate a restaurant or similar-style venue, you can talk to our team about available cover. We can offer options to cover injury to your customers and employees, replacing broken equipment, and losing your alcohol licence (for reasons not under your control).  

If you’re looking to protect your restaurant from loss of stock due to damage or theft, contents cover policy could help. In an event such as a flood or fire, having contents cover in place for your restaurant could make it possible for you to replace your stock along with covering damaged contents. 

If you lose your licence to sell alcohol due to circumstances outside of your control, loss of licence cover could provide you with protection. It can include loss of sales (less relative purchases) directly attributable to the loss of the liquor licence, and the reduction in the value of the licensed premises (subject to certain exclusions). Loss of Licence cover can also be included as an extension to your standard business policy. 

We know that every restaurant is different, which is why we help you find a policy that meets your needs. To help save you both time and money, we compare prices from a range of different insurers, so you don’t have to, giving you more time to run your business. Get in touch with us today to see how we can help. 

If your business injures someone or causes damage or destruction to their property, public liability insurance can cover the costs of the claim. 

Restaurants are responsible for the food and drink they supply to customers. If someone is harmed by the food and drink you have supplied, they could make a claim. This includes where the person has not purchased the food/drink themselves. You could consider product liability insurance if this is a risk you'd like to protect your business against.  

Buildings insurance covers the cost of repairing or rebuilding your premises if its damaged or destroyed by an unexpected crisis such as fire, flood or theft damage. If you’d like to get your business premises up and running after an unexpected insurable event, buildings insurance may be something to consider. 

If you rent your business premises, then buildings insurance might be your landlord’s responsibility. Contact your commercial landlord or check your lease to see who’s responsible. 

For more information about available additional policy covers, get in touch with us. 

It’s hard to say without knowing the facts, but we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.