Restaurant Insurance

Restaurant Insurance

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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.

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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.

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.

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

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.

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How much does 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 things like the size of your restaurant, the number of staff you have, turnover and any previous claims over the past five years.

Do I 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, meaning you need a specially designed policy to cope with the very particular type of risks restaurants face.

Are there exceptions with restaurant insurance policies?

All insurers have different exclusions, and there will be limits to the cover you can have. When you compare restaurant insurance quotes, you’ll be shown a number of policies from different insurers. From here, you can choose the best option for your business. Any exceptions and exclusions will be clearly defined within each policy and you’ll have the chance to review this in full before purchasing.

What if I have to close my restaurant?

Having to temporarily close your restaurant is every owner’s worst nightmare, even if for a short amount of time. Fortunately though, business interruption insurance will safeguard you in such a situation, giving you cover for loss of profits due to damage to your eatery caused by specified perils such as fire, storm or flood.

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