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.

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.

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

<sub>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.</sub>

_{** 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.}