Restaurant Insurance

Protection for Restaurant Businesses

cover from theft and damage for restaurants

As a restaurant owner you’ll have many other things on your mind without worrying about the possible risks involved with the business. Anything from damage or theft from your premises, expensive claims because of an employee being injured within your premises, or a customer getting sick can spark a claim that can have damaging effects on your daily operations if you don’t have adequate Restaurant Insurance in place.

Because owning or operating a restaurant has many potential risks, having a personalised business insurance policy ensures you are financially protected even if the worst were to happen.

At The Insurance Octopus, our personalised business insurance policies are designed to allow you to add, remove, increase or decrease all areas of your insurance policy. You will be able to tailor a bespoke Restaurant Insurance policy which has all of the essential cover you need in one simple business insurance policy.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Restaurant Insurance Policy includes

restaurant insurance policy covers

Public Liability cover

Public Liability cover protects you if one of your customers is injured, or their property is damaged. This protects you against the cost of repairs or any legal proceedings that may be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request subject to terms and conditions.

Employers Liability insurance

If you have one or more employees and then by law, you are required to have employers liability insurance. This is a standard £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.

Contents cover

Contents cover can protect trade contents, stock, customer goods, staff and customers personal effects, fixtures and fittings, computer and electronic business equipment. Malicious damage and theft can also be included.

Buildings cover

Buildings cover can protect the building should you own the property.

Loss of Licence cover

This covers you for loss of your licence due to a circumstance outside of your control.

Personal Accident cover

Personal Accident cover will help with your financials should you be injured whilst working and will help for a specific period of time that you are unable to work. The policy cover does carry limitations and policy restrictions and can cover up to five employees, and can be used as an employee benefit.

Further optional add-ons include deterioration of stock, business interruption, legal expenses, theft by staff and more are available – get in touch for more information.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Benefits of having Restaurant Insurance

benefits of restaurant insurance

When owning licensed or non-licensed premises, the possibility of risks occurring increases for various reasons. Assaults on your staff or theft within your business premises can often occur when alcohol comes into play, a customer may decide that they have suffered ill health from eating your food, or a member of your staff could be injured whilst going about their everyday duties either in the dining area or in the kitchens. It’s important

Everyday risks can also come from with natural causes such severe weather which could result in your business being temporarily incapable of operating. In these types of situations, your staff could potentially hold you legally accountable. It’s all of these scenarios that need to be covered with a comprehensive Restaurant Insurance policy.

At The Insurance Octopus, we can’t stop any of these unfortunate events happening, but we can help you find a business insurance policy that provides the right financial protection for your restaurant.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus restaurant specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers.

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit.

Speak to us today to get your competitive Restaurant Insurance quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm