Restaurant Insurance

By speaking to an experienced insurance professional, you can have peace of mind knowing that your livelihood is protected.

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Our Restaurant Insurance Solution for You

Our restaurant policies can be tailored to meet the needs of your business and we are often able to offer a quotation for businesses that require cover for risks that may fall outside of the usual appetite of some insurers. These include:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start up businesses.
  • Proposals that have had large claims (including fire or flood).

The policies we place can cover your physical assets, legal liabilities and protect your income and in most cases we can also give you the option of adding additional covers such as equipment breakdown and legal expenses.

Policies include cover for:

  • Frying ranges.
  • Alcohol and late license.
  • External signs.
  • Employers', public and product liability.
  • Business interruption.
  • Deterioration of stock and frozen foods.
  • Money.
  • Fixtures and fittings.
You Could Save Over 10% With Us*

Mon-Fri: 9am - 6pm

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

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

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 48 policyholders (5%) who obtained cover through us between April 2016 and July 2016. 81% made a financial saving by moving to SMEi, with an average saving of 15.2%. 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.



You Could Save Over 10% 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: 9am - 6pm

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Related FAQs See all FAQs

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.

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