Food and Drink Insurance from smei
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Bar and Wine Bar Insurance from smei

Bar and Wine Bar Insurance

Whether you run a local or a trendy city bar, we can arrange a bespoke insurance policy to suit you.

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Cafe and Tea Room Insurance from smei

Cafe and Tea Room Insurance

We have access to a panel of UK insurers and are able to build a policy that is tailor made to suit the requirements of your cafe, coffee shop or tea room.

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Catering Insurance

Bespoke cover for self-employed caterers or small catering businesses including catering liability insurance and much more. Get a quote.

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Fish and Chip Shop Insurance from smei

Fish and Chip Shop Insurance

We specialise in fish and chip shop insurance and will ensure you have adequate cover in place to protect your business.

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Smiling bartender standing behind bar with bottles on shelves behind him. Nightclub insurance

Nightclub Insurance

We have a team of insurance experts who can offer help and specialist knowledge on the insurance cover nightclubs typically need.

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Pub Insurance from smei

Pub Insurance

We have a team of insurance experts who can offer help and specialist knowledge on the insurance cover pubs and wine bars typically need.

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Restaurant Insurance from smei

Restaurant Insurance

By speaking to an experienced insurance professional, you can have peace of mind knowing that your livelihood is protected.

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Social Club Insurance from smei

Social Club Insurance

Providing insurance over for social clubs, including working men’s clubs, political clubs, charities, as well as other member’s clubs and community organisations.

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Fast Food and Takeaway Insurance from smei

Takeaway Insurance

smei cater for the takeaway industry.

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Food Business Insurance

smei specialises in providing tailor made insurance policies for the food and drink industry.

About the Food and Drink Industry

For many of us one of the best treats is to let someone else cook for us and we are lucky that there is a real variety of different places across the UK that you can eat when the mood takes you, covering a vast range of cuisines, tastes and of course costs too. Restaurants, pubs, wine bars, takeaways, cafés and tea rooms, fish and chip shops can vary greatly in the dining experience they offer and battle to provide not only great service but tasty treats too!

People who eat in restaurants like The White Swan at Fence, Lancashire (pictured above), or order takeaway, essentially trust the food the company provides is of a certain standard or quality and therefore each one has a responsibility to those customers who choose to eat there. This is why it is not only important to have cover in case something does go wrong, but to also have in place the right checks, equipment and processes to be able to deliver delicious food, whilst also ensuring that the food is safe for consumption too.

So, if you own your own food or drink outlet, make sure that insurance cover is on the list of things to think about; otherwise you could find yourself with a costly mistake.

Why is Food Business Insurance Important for the Food and Drink Industry

When you are dealing with food, insurance becomes incredibly important. Especially as there is a potential risk to the health and safety of those people eating in your restaurant, takeaway or bar.

Covers available if your business is within the food and drink industry can include, products' liability for the possibility of a customer suffering injury or illness as a result of consuming your product.

As well as product liability, there are also a variety of other insurance covers available to businesses, such as public liability, employers liability, buildings and contents and business interruption cover.

All of these policies can ensure not only the protection of your business but also the protection of your staff and the customers that you provide a service to. All of which are important considerations for any business.

Whether you are a local café serving delicious home cooked foods or perhaps a large restaurant that provides catering for corporate functions, you need to understand the importance of protecting the assets that you have worked so hard to build up.

If you do not have cover, then you may find that one mistake may result in a costly compensation claim or perhaps even worse, result in the closure of your business.


The featured business is The White Swan at Fence, Lancashire. Visit their website here: Did you know that smei offers specialist pub insurance?


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