restaurant insurance

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.

You Could Save Over 30%*

Contact our team to receive a no obligation, instant quote today.

91% of our customers would recommend our service

Cover Available for Restaurants**

  • Accidental damage.

  • Book debts/account receivable.

  • Buildings cover.

  • Business interruption.

  • Contents insurance.

  • Embedded breakdown.

  • Employers liability.

  • Glass.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Premiums from as little as

£764 .36
In the past 12 months our customers have paid as little as £764.36 per annum for restaurant insurance.

50% of our restaurant customers paid less than £1,860.80 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 insurance, takeaway insurance and café insurance?

* Please click here to view our pricing disclaimer.

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

*** Data compared from 275 policies sold in 2022. 63 customers paid less than £764.36.


91% of our customers would recommend our service

Wouldn’t go anywhere else! I have used smei for many years. I always get reminded when it’s that time again. I have always found them to be very helpful and they do try to get you the best deal.

Morag Ross

Frequently asked questions

There are a number of risks that may affect cafés and coffee shops. Business insurance is an essential aspect of protecting your café business. The specific types of insurance you need for your café may vary depending on factors such as your location, size, and the services you offer. Here are some common types of insurance coverage to consider:

  • Public, products and employers liability insurance are often considered the most common. You may wish to also consider buildings and contents insurance to cover damage to your café's building and its contents, including equipment, inventory, and furnishings. This is crucial in case of fire, theft, or natural disasters.
  • If your café serves alcoholic beverages, you may want cover for Loss of Liquor Licence. This will cover the costs and expenses incurred appealing the loss of licence with your Local Authority.
  • Cyber liability insurance is also becoming key in this digital age to protect customer information. Cyber liability insurance can help cover the costs associated with data breaches or cyber-attacks that compromise customer data.
  • Equipment breakdown insurance can help with repair or replacement costs if essential equipment in your café, like ovens or refrigerators, break down.

Café public liability insurance typically covers you just in case a customer slips, falls, or suffers another injury whilst eating at your tearoom or café. If you have staff, it's also a legal requirement to have employers liability insurance to protect you and your employees if they’re injured or fall ill as a result of the work they do for you.

These covers are designed to pay for any compensation, plus legal costs if an employee or customer brings a claim against you.

The exact insurance you’ll need depends on a number of factors. We recommend speaking to a specialist broker who can assess your needs and arrange a tailored policy based on your requirements.

Quotes from well-known and specialist insurers, including:

Insurers smei work with

You Could Save Over 30%*