Restaurant Insurance

Some types of insurance may be a legal requirement. Others may not be compulsory, but are recommended to protect you in the event of a claim. Not having the right insurance for your restaurant could be a false economy. For example, if you don’t have the necessary protection and a customer becomes ill with food poisoning, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements and provide you with peace of mind that a claim won’t be damaging to your business.

Public and employers liability protect you if a member of the public or an employee is injured or their property is damaged on your premises. Product liability insurance protects you if a customer becomes ill or their property damaged as a result of the food or drink you serve. Many restaurant insurance policies come with product liability cover as standard but it’s important to double check. To ensure you are protected, include it in your requirements and we will make sure you’re covered.

If you serve alcohol, you may want to consider cover for loss of licence. This will protect you if your licence is revoked and allows you the time needed to recover it. Loss of licence is often an optional extra available from many restaurant insurance providers. Without your stock you wouldn’t be able to run your restaurant. Optional cover is available for deterioration of stock, for example if your fridge breaks down and food spoils. Similarly, contents or stock cover will often protect your stock from theft, fire, flood, or malicious damage.

The restaurant insurance policy we arrange will vary depending on your needs so we don’t have an extensive list of features. However, if you tell our team exactly what you need and want covering, then we can arrange a policy that suits you.

The cost of your policy depends on your needs. The policies that we arrange are very flexible and can adapt to fit your requirements. We will present you with several options so you can make an informed decision on which policy is most appropriate for you.

Your quotation is valid for 30 days.

You will need to contact us quoting your policy number and we can then amend your details. Please note that the change of premises may affect the cost of your insurance.

It is helpful to have any previous insurance policies handy, and any renewal documentation or information you have got so far. It doesn’t matter if you don’t have them though, we will guide you through the relevant questions. Basic details about your business and property will be needed, if you have any tools or stock to insure for example, their value would be required also.

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. The White Swan at Fence, Lancashire is one of our high street heroes. Visit their website here: www.whiteswanatfence.co.uk