Restaurant Insurance

Running a restaurant is fast-paced and high stakes. From busy kitchens to full dining rooms, a single incident can disrupt service and dent profits. Restaurant Insurance gives you tailored protection so you can focus on great food and happy guests, not worst case scenarios.

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FAST, AFFORDABLE, HASSLE-FREE RESTAURANT INSURANCE!

TAILORED RESTAURANT INSURANCE THAT WORKS FOR YOU!

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What is Restaurant Insurance?

Restaurant Insurance is a specialist package that combines multiple covers into one policy designed for food and beverage businesses. It protects you from industry-specific risks such as kitchen fires, slips and trips, food contamination, equipment breakdown, and loss of income after an insured event. Policies are flexible, so you can build cover around your premises, staff, equipment and daily operations.

Why You Need Restaurant Insurance

A robust policy helps you manage risk, meet legal obligations, and keep cash flow steady when the unexpected happens. Whether it’s a customer injury, a staff accident, or a freezer failure that spoils stock, the right Restaurant Insurance limits financial loss and speeds up recovery—giving you peace of mind during service and beyond.

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Types of restaurant insurance cover...

Public Liability

Protects against claims from customers or visitors for injury or property damage on your premises—for example, a slip on a wet floor or a scald from hot liquids.

Employers’ Liability

A legal requirement if you employ staff. Covers claims from employees for injury or illness sustained at work, from knife cuts to back injuries.

Buildings Insurance

If you own the premises, this covers the fabric of the building against risks like fire, flood, storm and vandalism. Tenants should ensure the landlord’s cover is adequate and insure improvements.

Professional Indemnity

Useful if you offer consultancy, catering advice, cookery classes or menu design. Covers claims for alleged negligence or errors in professional services.

Business Interruption

Covers lost gross profit and additional expenses if you’re forced to close or reduce trading after an insured event like a fire, flood or major equipment failure.

Stock & Equipment

Insures food, beverages, and essential kit such as ovens, fryers, refrigeration and POS systems against theft, damage or breakdown (as specified).

Customised restaurant insurance to suit your needs and budget.

Protect your restaurant with a policy that fits how you operate. Contact our team today for advice and a fast quote.

We’ll tailor Restaurant Insurance to your risks, budget and growth plans—so you can keep serving with confidence.

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Do you have more questions about Restaurant Insurance?

Call our expert team of advisors on 0161 641 3229 to discuss all the options available to you and make sure you are fully protected

Call our expert team of advisors on 0161 641 3229 to discuss all the options available to you and create a policy to meet your organisations needs