Get a fast, no obligation quote which could save you over 15%* 0330 134 4564 Get a quote

Restaurant Insurance

Restaurant 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.


About the Restaurant Industry

Owning your own restaurant can be incredibly rewarding, especially if you feel passionate about providing delicious food to your customers.

There are a variety of different types of restaurants that you can choose to set up, covering a range of cuisines from Chinese to gourmet burgers, all of which attract their own particular clientele.

The restaurant industry, much like with any other business, can be difficult to keep in mind all of the different aspects that make sure that it runs smoothly and of course safely for both your customers and employees.

So whether you have an Indian restaurant, an Italian eatery, or perhaps an establishment simply providing some good old-fashioned pie and mash, make sure that you have a business that is protected against all the associated risks.

Terms and Conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. 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

Related Articles

How Restaurant, Bars and Cafes can Help Reduce the World’s Plastic Pollution

Of the billions of tonnes of plastic made since it came in to mass use in the mid-1900s only 9% has been recycled and 12% incinerated.

Posted 16/03/2018

How to Pair Your Meal With the Right Drink

It's easy to find guidance for pairing wine with your meal, but what if you fancy something else? Check out our guide for beer, spirits and non-alcoholic drinks

Posted 09/02/2018

Christmas Countdown 5 days to Go

Help us find the festive jumper and you could win today’s prize. If you need a clue think of where you might reserve a table using the OpenTable service.

Posted 20/12/2017

Christmas Countdown 8 Days to Go

In Japan, a particular fast food restaurant has become a popular choice for a Christmas meal due to a successful 1970s marketing campaign.

Posted 17/12/2017

Weird and Wonderful Facts About Christmas Food

Do you love Christmas food? Here are some weird and wonderful facts about your favourite dishes, from Christmas pudding. mulled wine and mince pies to turkey!

Posted 30/11/2017

National Burger Day 2017

It’s National Burger Day on 24 August, which means people all around the UK will be tucking in to their favourite burger

Posted 22/08/2017

We get inside the mind of a Pop Up Restaurant Owner

Serving up British cuisine with an international influence, pop-up restaurant Xiringuito (pronounced chi-rin-gito) http://xiringuito.co.uk/ is the brain child of Connor Sheehan and chef Jackson Berg.

Posted 23/01/2017

Value Your Food Hygiene Rating?

Not only will a good food hygiene rating help attract new customers and assist retention of existing customers, it could also mean you are eligible for cheaper insurance premiums.

Posted 21/08/2015
Feefo Reviews

of our customers would recommend our service based on Feefo

Provided by Feefo
Customer Testimonials
Speech mark
No words can express how great this company is. Whether I have had to make a claim or renew their service has always been impeccable.

Mr Mahmood Ahmed

Read more
Log your renewal
Need a reminder?

Fancy a friendly reminder?

If you want one less thing to worry about, simply log your renewal and we’ll remind you nearer the time.

Log your renewal
Related News from SME
How do you build a cake baking business that counts royals amongst its customers in just five years?

We spoke to Amy Gilmore, owner of Amy Polka Pops in Ribchester, Lancashire to find out.

Read Article
How do you create an award-winning florist that stands out from the crowd?

We spoke to Anthony Cox, owner of Manchester-based – and aptly-named – Flourish, to find out how his award-winning business has become a focal point…

Read Article
How do you take over a small, independent fashion store and transform it into a high street favourite?

Ruth Holden, owner of Kimora Fashion & Lifestyle in Barrowford, Lancashire gave us the inside track.

Read Article
How do you turn a dream into an award-winning micro-pub in less than a year?

Andy Williams, beer enthusiast and owner of The Bow-Legged Beagle in New Brighton, Wirral, took time out to tell us how it’s done.

Read Article
Quotes from well-known and specialist insurers, including