Restaurant Insurance

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Running any business involving food comes with a very special set of risks. As well as all the usual risks which come with running a business, you also have to ensure you meet the highest levels of food hygiene and safety. This is why restaurants require a very particular type of insurance policy. 

At Brisco Business we specialise in providing business owners comprehensive insurance policies to mitigate all the risks they face. We’ll make sure you’re financially protected and give you the peace of mind from knowing you have a comprehensive insurance policy to protect you if anything goes wrong.  Compare quotes from leading insurers in minutes and choose the best policy for you.

We partner with some of the UK’s most trusted restaurant insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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Where do you mainly run your business from?

You should make sure the policy you choose meets your demands and needs during the quotation process.

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Do I really need specialist restaurant insurance?

It’s highly recommended. From problems with food, to slips trips or falls in the dining area, there are all sorts of things which can go wrong with your restaurant. Many of these will not be covered by a standard insurance policy. So, you need a specially designed policy to cope with the very particular type of risks restaurants face. 

How much will restaurant insurance cost?

The price of restaurant insurance policies varies depending on the provider and the level of cover you have. Cost will be determined by issues such as the size of your restaurant, the number of staff you have, turnover and any previous claims over the past five years. 

Do restaurant owners need liability insurance?

Absolutely. Liability for restaurant owners includes both your staff and customers. If they suffer an injury or if the food makes them ill, you will need to be protected against the financial implications. 

What is included in a restaurant insurance policy?

This will depend on what your business requires, however, as standard, your restaurant insurance policy will include things like public liability insurance which protects your customers. This is one of the most important covers if you’re dealing with clients. You’ll can also choose to add buildings insurance (if you own the premises) to protect your restaurant premises and stock insurance which covers loss of or damage to your stock.  Loss of licence cover is a great extra which will provide compensation in the event that you lost your licence and suffered a financial loss as a result.  Deterioration of stock insurance is also valuable for restaurants and will provide cover in the event that your perishable stock is damaged by a freezer breakdown for example.

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