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Restaurant Insurance – What Is Covered?
Restaurant insurance policies provide a simple package covering all your insurance requirements:
- Public Liability risks for customer slips, trips, or falls
- Products Liability for illness claims from food sold
- Employers Liability covering your legal liability for staff
- Buildings cover if you own the premises
- Cover for your stock, business contents, fixtures & fittings
- Money and signage or restaurant front/glass
- Plus many other useful options tailored to your specific requirements.
Is Restaurant Insurance Compulsory?
Both motor insurance for any vehicles you own and Employers’ Liability for any eligible employees you have are legal requirements. While failure to purchase other covers might not break the law, without public liability and cover for your contents and fixtures and fittings, you will be leaving your restaurant severely financially exposed.
Imagine a kitchen fire completely guts the restaurant – how would you fund the refurbishment? Who would pay the rent in the interim? Restaurant cover provides genuine peace of mind for you and your business.
Compare Restaurant Insurance Quotes
Insync has access to a complete range of leading insurers, allowing us to compare restaurant insurance quotes from up to 10 insurers in minutes!
Our expert advisors will help you to assess your risk and build a package that works for your restaurant and your budget. We can provide cover for a range of restaurants, including cafés, coffee shops, fine dining or multi-site chains.
How much does it cost to insure a restaurant?
Restaurant insurance packages start from as little as £150 per annum (plus insurance premium tax). However, the cost of your policy will be dependent on your requirements. Typically, insurance premiums will be influenced by:
• Location of the restaurant (postal code)
• Type of food sold and cooking methods used (e.g. use of frying ranges)
• Sums insured (contents, fixtures and fittings, stock etc.)
• Trading or industry experience and previous claims history
• Sections of cover requested
Why Choose Insync for Restaurant Insurance?
In today’s digital world, business has evolved, so why hasn’t your insurance broker?
We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Restaurants and Cafes throughout the UK.
Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!