Restaurant Insurance

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Why Compare Cheap Restaurant Insurance With SimplyQuote

SimplyQuote understands how stressful it is to be in the hospitality industry and that the last thing you feel like doing is spending hours searching for a new business insurance policy.

That’s why we’ve created the perfect solution: the 100% free, online comparison tool.

Get more hours in your day when you compare restaurant insurance quotes with us. Simply fill in your details online, hit “compare quotes” and voila!

Super simple and stress-free.

What Do You Need To Get A Restaurant Insurance Quote?

Why Do You Need Restaurant Insurance?

What Does Restaurant Insurance Cover?

Restaurant insurance policies cover the following:

Buildings insurance

If your building gets damaged by an insured event such as fire, vandalism or natural disaster, then buildings cover can handle the cost of repairing or rebuilding your restaurant’s structure.

Employers’ liability insurance

Employers’ liability insurance is a key component of restaurant insurance cover and is a legal requirement in the UK (if you employ staff). With employers’ liability insurance, you will be given financial support should an employee claim against you.

Public liability insurance

Public liability insurance covers compensation and legal costs in the event of a member of the public being accidentally injured in your restaurant. An example of a common public liability insurance claim would be a customer slipping in a puddle of water and sustaining an injury.

Product liability insurance

Product liability insurance is closely similar to public liability insurance, with some minor differences. If a product you sell causes injury or illness, product liability insurance can protect you financially and legally.

A prime example would be a guest getting food poisoning after consuming one of your meals and filing a claim against you.

Business contents insurance

Restaurants should always endeavour to have contents insurance, as it can handle the cost of replacing most items in your restaurant. This covers a restaurant’s fixtures, furniture and cooking utensils.

Note: Also called business equipment insurance policies.

Legal expenses cover

This type of insurance facilitates access to legal resources and covers legal costs in case of a legal dispute.

Liquor liability insurance

This cover can provide financial protection if a customer has an alcohol-related incident after consuming drinks on your premises. Many restaurant liability insurance plans do not cover alcohol and liquor liability, which is generally only added following endorsement.

Stock insurance

With stock insurance, restaurant owners can easily replace goods and materials or recover the financial equivalent, should they get damaged, lost, or stolen. An important part of this cover is knowing how much stock your restaurant has or expects. Always be sure to do regular stocktakes.

Business interruption insurance

Unforeseen circumstances can bring your operations to a complete stop within the blink of an eye. If that does happen, business interruption insurance can help get your restaurant back to where it was financially before the interruption.

Personal accident insurance

This type of business insurance add-on applies to people actively carrying out their business functions. If any incident completely hinders your ability to work, then personal accident insurance can keep you financially covered and it often covers medical costs and certain recovery expenses.

What’s not covered?

  • Normal wear and tear on the property and/or kitchen equipment
  • Costs incurred due to negligence
  • Costs incurred due to malicious/intentional acts by the restaurant owner
  • Patrons’ personal belongings
  • Delivery vehicles – you will need specialised food delivery insurance for this

What kind of restaurants does this insurance cover?

  • Cafes
  • Caterers
  • Fast food
  • Fine dining
  • Casual dining
  • Ghost restaurant
  • Food truck, cart or stand
  • Pubs
  • Diner
  • Pop-up
  • Bistro

What Add-Ons Are Available For Restaurant Insurance?

Here is a list of a few optional extras you can add to your restaurant insurance cover:

Cyber insurance

Cyber attacks are attempts by cyber criminals to breach your company’s information technology systems and steal valuable data.

Commercial vehicle insurance

Some restaurants may have a vehicle for delivering meals and picking up supplies. Personal vehicle policies won’t cover such a vehicle, but commercial vehicle insurance can. If you or an employee is in an at-fault accident, then a commercial vehicle policy can cover the cost of repairs or replacements.

Terrorism insurance

Damages resulting from terrorist acts are generally excluded from standard BOPs (business owner policies) and restaurant business insurance policies, so having this coverage in place could be handy.

Money cover

Protect your cash takings with this policy add-on. However, there is usually a maximum limit to what insurance providers will pay out and the money will need to be kept in a locked safe at all times.

How Much Does Restaurant Insurance Cost?

How Can You Reduce Your Restaurant Insurance Premiums?

How To Compare Restaurant Insurance Quotes With SimplyQuote?

Compare restaurant insurance with SimplyQuote in four simple steps:

  1. Fill in the short form: Tell us about yourself, your business and your location.
  2. Choose policy add-ons: Choose which additional cover add-ons you want.
  3. Compare quotes: Find a quote to suit your budget and business insurance needs.
  4. Save money: Get the best deal to start saving today.
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Frequently Asked Questions

What is restaurant insurance?

Restaurant business insurance, like most forms of business insurance, is geared towards providing financial and legal cover for incidents in the restaurant business.

In this case, any establishment that publicly or privately serves food can be classified as a restaurant or qualify for restaurant insurance. Restaurant owners can purchase restaurant insurance from one provider or create a package by combining cover plans from multiple providers.

What happens if I don’t have employers’ liability insurance?

Not having sufficient employers’ liability insurance cover can result in fines of up to £2,500 per day! Employers’ liability cover is a legal requirement in the UK, even if you only employ part-time or casual workers.

What are the main dangers in restaurants?

A few restaurant hazards include:

  • Food safety
  • Injuries: Restaurants can be incredibly hazardous during peak times. Unmopped puddles of liquid are one of the main causes of broken dishes and injuries. Open flames, hot grease, and sharp knives are also the source of many workplace accidents within the restaurant business.
  • Fire: Restaurant kitchen fires are an extremely common occurrence, especially in restaurants with deep-fat fryers.
  • Theft: Thieves often see restaurants as a lucrative target, given the daily traffic volume and patrons paying for their meals in cash. Even if your establishment doesn’t keep cash on site, thieves may still break in and cause considerable damage to the property.
  • Business interruption: A lengthy interruption in operations can easily cause a restaurant to go out of business.