Restaurant Insurance

Running a restaurant involves juggling customer expectations, managing staff, maintaining food safety, and protecting valuable assets. With so many variables at play, having the right restaurant insurance in place is critical to safeguard your operations, reputation, and income.

We offer specialist restaurant insurance policies tailored for independent eateries, franchises, fine dining establishments, casual dining, and takeaway restaurants. Whether you're a Michelin-starred chef or a fast-growing food brand, our cover is built to protect what matters most.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Your Restaurant Insurance?

Decades of experience in the hospitality insurance sector
Access to 20+ leading UK insurers
Tailored quotes based on your business needs
Dedicated account managers and fast claims support
Fast, hassle-free quoting process
Flexible policy terms and competitive pricing
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What Is Restaurant Insurance?

Restaurant insurance is a specialist form of business insurance designed to protect food service establishments against the wide range of risks they face. This includes liability claims, property damage, stock loss, food contamination, business interruption, and more.

Why Might Restaurants Need Insurance?

Restaurants operate in high-risk environments, hot surfaces, sharp tools, perishable stock, and customer-facing service all increase the chances of incidents. Without proper protection, a single accident or legal claim could threaten your financial stability.

A comprehensive restaurant insurance policy ensures you’re protected from unforeseen costs, allowing you to focus on delivering outstanding food and service.

Common Risks Faced by Restaurants

Understanding the risks helps highlight why tailored cover is so important. Common risks include:

  • Kitchen fires or gas leaks
  • Food poisoning or allergen-related claims
  • Slips, trips, and falls in customer areas
  • Damage to expensive kitchen appliances
  • Staff injuries from equipment or burns
  • Theft or vandalism during non-trading hours
  • Revenue loss due to temporary closures

A bespoke insurance policy helps minimise the financial impact of these events

 

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Core Covers Included in Restaurant Insurance

A standard restaurant policy typically includes the following essential covers:

1. Public Liability Insurance

Protects against claims from members of the public for injury or property damage caused on your premises, such as slips on wet floors or burns from hot food.

2. Employers’ Liability Insurance

Often a legal requirement if you employ staff. Covers compensation costs if an employee becomes ill or injured as a result of their work.

3. Buildings Insurance

Covers damage to the structure of the premises due to fire, flooding, vandalism, or accidental damage. Crucial for owners and leaseholders.

4. Contents and Equipment Insurance

Protects furniture, kitchen equipment, point-of-sale systems, and fittings from theft, accidental damage, and fire.

5. Stock Insurance

Covers loss of food, drink, and perishable stock due to spoilage, equipment breakdown, or contamination.

6. Business Interruption Insurance

Compensates for loss of income if your restaurant must temporarily close due to an insured event.

7. Product Liability Insurance

Covers legal and compensation costs if a customer suffers illness or injury due to food or drink served at your restaurant.

FAQs

To open a restaurant in the UK, you’ll need:

  • Employers’ Liability Insurance (if hiring staff – a legal requirement)
  • Public Liability Insurance (for customer injury/damage claims)
  • Product Liability Insurance (for food-related claims)
  • Commercial Property Insurance (for your building and contents)
  • Business Interruption Insurance (to cover lost income due to closures)

We offer optional extras, including stock cover, legal protection, and cyber insurance if you handle online bookings or card payments.

Yes, with Product Liability Insurance included, your restaurant insurance can cover food poisoning or allergen-related claims from customers. This protects your business against legal action and compensation costs if a diner becomes ill due to contaminated or mislabelled food served at your premises.

Yes. Our policies are flexible and can be adapted to reflect changes in business size, staff, revenue, or services offered.

Yes, we can tailor restaurant insurance policies to cover takeaway services and food delivery, whether in-house or through third-party platforms.

The cost of restaurant insurance depends on:

  • Type of cuisine and cooking methods (e.g., open flame or deep-frying)
  • Location and property value
  • Staff numbers and turnover
  • Claims history and cover levels
  • Whether you offer delivery or alcohol

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

Helpful Articles & Updates

Keep your restaurant protected with specialist insurance guides, hygiene tips, and operational advice.