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Restaurant 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 restaurant 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 policy that works for you.

Cover Available for Restaurants

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

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

Quote line: 0330 134 4564
Premiums from as little as £270.00

In the past 12 months our customers have paid as little as £270.00*** per annum for restaurant insurance.

Over 50%**** of our restaurant customers paid less than £900 per annum in the past 12 months

Why Insurance is Important for Restaurants

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 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?

Terms and Conditions
* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

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

*** Data compared from 922 policies sold between January 2016 to January 2017.

**** Based on 922 policies sold between January 2016 and January 2017, 507 customers paid less than £900.



Why Do I Need 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.

What Cover Do I Need for My Restaurant?

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.

What Optional Cover is Available?

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.

Where Can I Find a Full List of the Restaurant Insurance Features Available?

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.

How Much Does Restaurant Insurance Cost?

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

You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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