Restaurant Insurance

Running a restaurant comes with a distinct set of risks that you need protection against. This is where restaurant insurance comes into play. Regardless of whether you own a small eatery that’s just set out or an established restaurant that’s been going for years, you need to safeguard yourself against any accidents or emergencies that arise. Restaurant insurance does just this, with your insurer footing the bill in these instances, not you.

Here at Brisco Business Insurance, we can help find you a bespoke restaurant insurance policy, no matter your requirements or budget. Our fast quote system lets you quickly and simply compare restaurant insurance policies from some of the UK’s best providers so you can secure the right package for you. Among the most common covers within a restaurant insurance policy are public liability, stock insurance and loss of licence insurance.

RESTAURANT INSURANCE QUOTES

Get quotes for restaurant insurance along with many other types of Business Insurance with Brisco Business now and find a policy with covers to meet your needs.

Restaurant insurance protects your livelihood should an incident prevent you (or any members of staff) from running your business as normal. So, say you fall victim to a break-in, this cover ensures you won’t be the one paying out to replace any equipment stolen. 

It’s also important to protect yourself against any legal claims brought against you by your employees, plus any damage caused to your property. If this means your business is interrupted, restaurant insurance can also cover any financial losses, keeping your head above water financially if you can’t trade.

Getting the right level of insurance is vital. When it comes to restaurant insurance, you should take into account the total value of your assets, how many employees you have and the risks associated with your restaurant. For instance, if harsh chemicals are used to clean the grills, there’s more likely to be a dangerous spill. 

The level of restaurant insurance you require is also impacted by how many restaurants you own, like if you run a chain. The more buildings you have, the more cover you’ll need from your insurance policy.

No two restaurants are the same, meaning no two restaurant insurance policies should be either. The cover you require depends on factors like your industry, how many people you employ and how big your restaurant is.

Public Liability

Perhaps the most important cover to own is public liability insurance, which protects you against injury or property damage caused to a third party. 

For example, say your food causes somebody food poisoning or they slip after you failed to put out a wet floor sign, then they would almost certainly have grounds to sue you. The same would be true if you spilled a drink over a customer’s phone and broke it. In these instances, having public liability cover would cover the costs of any compensation claims against you, helping to keep your business’s finances in the black.

Additional cover

As a restaurant owner you’ll likely hire staff to help run things, in which case you legally need to hold employers liability insurance. This safeguards you if an employee hurts themself while working, ensuring you won’t have to pay expensive legal fees for the compensation that may be owed to them.

Another important cover to hold as a restaurant owner is stock insurance, which covers you if your all-important stock is lost or stolen. Fixtures and fittings insurance does the same for your fixtures and fittings, buildings insurance covers damage to the bricks and mortar of your property, and contents insurance covers everything inside that isn’t stock, such as furniture and PCs. Be sure to check out our full list of covers below.