You are here: Home » Restaurant Insurance »
 
 

Our restaurant insurance package provides an insurance solution for restaurants, cafes & bistros, offering you generous levels of standard cover including public liability, product liability and employers' liability, that help you to protect your business.

We also have many optional extras to choose from to improve your standard restaurant insurance policy, because when it comes to restaurant insurance, our specialist team understand that every restaurant has different insurance needs.

Request A Restaurant Insurance Quote Today From Your Insurance Group

Key features of our restaurant & cafe insurance policy

  • Public Liability - our restaurant insurance package comes with standard cover for public liability and product liability of £2 million which can be increased if required.
  • Employers' Liability - we can provide cover for up to £10 million under our restaurant insurance policies. Under UK employment law it is a legal requirement to hold employers' liability insurance if you have any employees.
  • Business Interruption - our restaurant insurance package comes with this cover as standard to ensure that your business is protected; as specialists we know that over 80% of businesses go bankrupt after a serious fire if they are not properly covered.
  • Buildings Cover - we can provide buildings cover at the level you require, which can also be extended to protect against any damage caused by subsidence.
  • Contents Cover - we can tailor levels of cover to meet your specific restaurant insurance requirements.  Contents cover can extend to provide cover for the loss or damage to electronic equipment, tenants improvements as well as fixed and removable items within your restaurant.
  • Money & Assault Cover - we provide various levels of cover for money handled by you and your staff in the course of your business as well as any injuries sustained following assault, robbery or attempted robbery whilst operating your restaurant business.  This isn't just limited to within your premises but extends to cover monies kept at home overnight as well as on your person whilst on your way to the bank.
  • Loss of Licence - as a respectable restaurant business you may do your upmost to ensure that you operate within the licensing laws but may still lose your licence allowing you to retail alcohol.  We provide standard cover for any loss in income and reduction in the value of your business following the loss of licence, in qualifying circumstances up to £100,000.
  • Theft by Employees - the standard theft cover available on our restaurant insurance package only provides cover for theft involving forcible or violent entry to your premises. We can add cover to protect you against employee dishonesty.
 
Request A Restaurant Insurance Quote Today From Your Insurance Group

Restaurant & cafe insurance policy benefits

  • Free Legal Helpline - you will have access to a 24 hour telephone legal helpline on any legal problem in connection with your business.
  • Tax Protection - we can provide cover for up to £50,000 of accountancy and legal costs incurred following tax & VAT investigation by the Inland Revenue.
  • Seasonal Increase - our restaurant insurance package recognises that certain times of the year restaurants are particularly busy and your business may need to stock up extra for the increased trade.  We can provide an increase in your stock cover of 25% to protect your business at these busy times.
  • Spread Your Payments - to help you manage your cash flow you can choose to pay your restaurant insurance premium by monthly instalments.
  • Save Time & Money - you don't have to wait around for your documents with Your Insurance Group. We issue all of our documents via email, so you don't lose out. All of our telephone numbers are free phone, so you don't have to pay to call us.
  • Financial Security - by taking out our restaurant insurance policy you know you have the support of Europe's largest independent intermediary.
 
Request A Restaurant Insurance Quote Today From Your Insurance Group