Business insurance for Restaurants


As a restaurant, insurance is a critical part of your business – it’s there to give you peace of mind over the things you can’t control, so you’re free to run your restaurant and stay on top of the hundreds of things each day brings. You’re industry is focused on giving customers a great experience, but it doesn’t always go to plan and when something goes wrong, a customer becomes ill or the premises are damaged by flooding, business insurance makes sure you’re covered.

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Insuring your restaurant


If you run a restaurant you know how rewarding and demanding it can be, from ordering stock and organising staff, to getting customers through the door. But what happens if something goes wrong? If a customer claims they have food poisoning, a waiter is injured tripping over a chair, or you can’t open because your freezers have flooded and damaged the building, it’s an extra headache to deal with. Having a business insurance policy which is tailored to the restaurant sector means you can focus on what you do best.

Why you need business insurance for restaurants


Food poisoning

If a customer claims they suffered food poisoning after eating at your restaurant, taking time off work, you might face a claim and even risk reputational damage. With public liability cover for restaurants you’ll have the cost of defending a legal case and settlement covered as part of your tailored business insurance policy.

Unhappy clients

Imagine a waiter mentioning a group of customers who complained about the service on your restaurant’s social media. The post goes viral, leading to a complaint and legal action. The costs of defending the claim and any settlement will be covered by your professional indemnity cover as part of your restaurant business insurance.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your restaurant business. We’ll help you to build your quote and explore any other insurance needs.

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Key types of insurance for restaurants


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These are just some of the types of business insurance for restaurants that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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