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Restaurants Insurance

Restaurant Business Insurance Policies Served Exactly the way you Want it.

Restaurants, like The White Swan at Fence, Lancashire (pictured above), require a lot of hard work and investment to thrive. There always seems to be work to do even when the restaurant is closed ‒ whether that’s preparing for a busy day of covers, or cleaning the restaurant for the next day ahead. Finding the right insurance policy may not be at the very top of your to-do list but it is important to ensure an accident or claim doesn’t mean the end of your business.

We understand that you may not have the time to be searching the internet or making dozens of calls to find the right insurance. That’s why we do it all for you. All you need to do is give us a call and let us know what you’d like your insurance policy to cover or protect and we’ll arrange it for you.

As we’re an insurance broker, we have access to a wide range of specialist restaurant insurance providers who can tailor a policy to your exact needs. Let us know your specific requirements and we will do our best to arrange a restaurant business insurance policy that works for you.

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Premiums from as little as


In the past 12 months our customers have paid as little as £998 per annum for restaurant insurance. That’s just £19 per week!

50% of our restaurant customers paid less than £2,237 per annum.*** 

Why Insurance for Restaurants is Important

These risks, especially the ones that relate to the health and safety of your customer can be a concern. Therefore, it is vital to ensure that you have the right cover to protect not only the people who eat at your restaurant but also your business itself.

Some examples of the issues that can arise within the restaurant industry that could be covered with the correct restaurant business insurance policy include: a slip due to a spilled drink or food; food poisoning; employee injury either in the kitchen or whilst serving food; or deterioration of freezer stock loss due to an electrical fault.

By speaking to an experienced insurance professional, you can have peace of mind knowing that your livelihood is protected from possible risks which could affect your business.

Did you know that smei offers specialist pub insurancetakeaway insurance and café insurance?

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 267 policies sold in 2023. 63 customers paid £998 or less, which represents 24%. £19 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Frequently asked questions

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