Business Insurance for Restaurants

  • Flexible & tailored policies for restaurants
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What is Restaurant Insurance?

Get hassle free restaurant cover options for your restaurant in minutes.

Even if you have a band of loyal clientele, the most talented chefs working for you and you’re confident in your restaurant’s growth, life is full of surprises, and unfortunately, they’re not always good ones. A break in can leave you at a loss for words, and money. A burst pipe can lead to flooding, and destruction of your property. Mistreatment of staff or the public, however accidental, can lead to lawsuits, court cases and compensation sought. Especially in the restaurant industry where food poisoning cases are rife, it’s always best to be prepared, and not leave the fate of your business up to chance. Whether you own or manage a restaurant, diner, takeaway, or bistro, here at The Insurance Octopus, we can source comprehensive Restaurant Insurance policies that cover the majority of eventualities, so that financial and emotional damage are kept to a minimum. 

We have over 50 years’ experience between our award-winning team, and industry qualifications to boot and offer a simple transparent service. We can research everything from seasonal increases, contents and buildings cover through to product, public and employers liability. Our relationship with insurers allows us to provide our clients with competitive quotes, and this is backed by our reputation as a trustworthy, dependable and always fair insurance broker. In fact, it is our bespoke service, flexible payment options and lack of mid term fees that really appeals to our customers, and always keeps them coming back for more. Our claims process is also hassle-free, keeping the needs of our clients at its core. 

If you’re in need of a restaurant business insurance policy that truly takes your needs into consideration, and provides savings that most businesses can only dream of, then we recommend you call our team today on 0161 968 2060.

Sourcing Insurance for Restaurants is Easy

Restaurant Insurance is there to protect your restaurant from risks such as theft, assaults, loss of licence and damage done to your fixtures & fittings, as well as product liability and Employers liability. You never know what life is going to throw at you, but you can control the impact it has on your restaurant. Having a suitable Restaurant Insurance policy in place can protect you, your staff and your restaurant from expensive lawsuits and hassle, and when you choose a policy through The Insurance Octopus, you have access to a panel of leading insurers that will help you find the right level of protection for your restaurant. No paying for cover you don’t need, just what you need to secure the future of your business.

Having Restaurant Insurance can protect your business, so that you’re always prepared. Don’t let a claim ruin your business’s reputation and ability to function. Make a positive choice with an insurance policy through The Insurance Octopus and secure your business today.

Not what you’re looking for? Take a look at our other business insurance services…

The Dangers Facing Restaurants

As a business owner, you have a duty of care to your staff, clients and members of the public, ensuring that they are as safe as possible at all times, and that you regularly carry out risk assessments and health and safety checks. If an accident were to happen on your premises, regardless of whether you believe it to be your fault, you could be held liable, and have to pay out a huge sum if you’re not sufficiently covered.

Other causes of business interruption which may hinder your restaurant’s productivity include supply chain issues, and machinery breakdown.

Along with third party injuries, there’s a lot to be wary of, and a lot that you, as a restaurant owner or manager, should take into consideration when it comes to running it.

The Main Dangers Facing Restaurants Include:

Food Safety

Food poisoning is a major cause of concern for restaurant owners, and though your restaurant team may be trained in food safety, some may not be taking it seriously enough. Even restaurants with strict codes can suffer from food borne illness due to previously contaminated food. That’s not to mention clients with severe allergies triggered by undeclared ingredients within the menus.

Fire Safety

The heat is always on in the kitchen, but at your restaurant you’re cooking at higher temperatures and therefore, the chances of fires are considerably greater. When you have a room full of people just a few metres away, this can become a danger zone fast. Ensuring your kitchen staff are trained in putting out fires is a must, but when it becomes too big to contain, your staff’s safety comes first, because no-one should have to suffer from burns. The impact on your restaurant however, can be devastating. 


Restaurants are a big target for burglars, because they know that the constant stream of clientele throughout the day means that the till is being filled up profusely. But it’s not just loss of money that can take its toll. Damage to windows, fixtures, fittings and your safe can also leave you out of pocket, as can theft of wine and spirits that thieves may sell on for profit. 

Business Interruption

Having to shut the restaurant for any period of time is never good for business, especially when it means losses of substantial profits. Many things can cause this closure – damage to property; hindered access to the area – for example due to being within a crime scene; utility breakdown; leaks; loss of licence. 

Why You Need Restaurant Business Insurance

Restaurant cover can protect your business from damage and theft on your premises through to expensive claims brought by employees injured at work, or clients who suffer from food borne illnesses. All of these risks can have negative effects on your restaurant’s daily operations if they take place whilst you don’t have suitable food business insurance in place.

You should choose restaurant insurance through The Insurance Octopus because:

Up to £5 million of cover

Claims can be expensive, that’s why we source policies that offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request. 

Simple specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

Specialists who knows your industry

We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Through a policy sourced by The Insurance Octopus policy you could cover your stock (and take into account seasonal increases), loss of licence and money, as well as product, public and employers liability. Along with legal expenses and fixtures & fittings cover, our researched options are suitable for restaurants, takeaways, cafes, diners and other great eateries, and we’ll do the hard work for you to find you the right policy for your business. 

It covers the legal costs of hiring solicitors, court cases and compensation, which could otherwise be detrimental to your venue and its reputation. 

It allows business activities to continue so as not to impact profitability, or the stability of your team’s jobs. 

It shows a duty of care to your customers, staff, local area and members of the public, as well as protecting you should you be caused harm. 

You know that should the worst occur, you have a team of expert insurance specialists behind you, supporting you, and working tirelessly to get your restaurant back on track. 

Through The Insurance Octopus a team of insurance experts will discuss your business’s needs in great detail, and source quotes that match your requirements. 

  • Our Cover

    We manage partnerships with a range of top-rated UK insurers, allowing us to source and negotiate prices and policies on your behalf. Our extensive knowledge of the market enhances these discussions, ensuring that you end up with options for the right policy for you and your business. Due to our close working relationship with underwriters at many of the leading insurers, we can tailor a bespoke policy to suit your budget and needs. 

    The Insurance Octopus are experts in providing businesses with a variety of Restaurant Insurance policies, including cover needed for business interruption. In a single policy, Restaurant Insurance through The Insurance Octopus could cover a variety of the following: 

    Public Liability

    If a customer or third party were to injure themselves or have their belongings damaged while at your restaurant, your business could be held liable, and therefore have to pay compensation. This extends itself to injuries during trespassing, false arrest and malicious prosecution. Regardless of how safety-conscious you are, accidents do happen, and it’s always best to be prepared for any and all outcomes. With Public Liability Insurance you can be, and we can source standard levels of cover from £1m to £5m, with additional levels of cover available upon request, subject to terms and conditions. 

    Employers Liability

    Whether they’re welcoming clients, taking orders or providing them with your delicious dishes, your staff make your restaurant the success it is, creating that experience from the get-go. Because they deserve to be treated with the same respect they give to others, it is a legal requirement for you to have at least £5 million cover to compensate them for any bodily injury, mental injury or other claims made against you, even if they are part-time employees, volunteers or trainees. Employers Liability for restaurants through The Insurance Octopus comes with £10 million indemnity cover, ensuring you’re covered against any and all eventualities. 

    Product Liability

    Of all the financial claims made against restaurant owners, food poisoning is one of the most common. It doesn’t matter where contamination occurs in the supply chain – if a customer consumes a meal infected with a food borne illness, you could be held legally liable. This could incur expensive hospital fees, medical costs and even, if the damage is very severe, being shut down. Along with having stringent Health & Safety policies in place, we recommend taking out a Product Liability policy through us ensures the damage to your reputation and business is minimal.

    You can’t always control the mistakes of others, but you can control the impact it has on your business.

    Buildings Cover

    Should you own the property which you operate from, or if you’ve made significant alterations to a rented space, then our Buildings Insurance is a must, covering you in the event of damage. This includes damage caused by storms, floods, subsidence, landslip and heave, as well as escape of water. The buildings cover we source will pay the cost of rebuilding your premises following an aforementioned incident, and pay for any repairs necessary to get your restaurant up and running again.

    Nature sometimes takes its toll, but it doesn’t have to take its toll on your business.

    Business Interruption

    If your restaurant has to close because of fire, flood, vandalism or loss of licence, then this can have a real hit on your takings. Designed to cover your business against loss of income, Business Interruption Insurance can pay out on loss of gross profit, as well as the costs and expenses incurred by you to minimise the reduction in gross profit subject to your insurers specific terms and conditions. Policies through The Insurance Octopus can include loss of licence, and interruptions caused by water, gas, electricity and internet services as a result of damage to any service provider’s EU premises, underground cables or earth movement, we’ve got you covered. 

    Interruptions can’t always be helped, but your response to them can be. 

    Stock & Contents Cover

    When your business depends on fresh ingredients, stylish crockery and suitable appliances, it’d be no joke to walk in one day and find that your ingredients have gone to spoil, or that your equipment has been stolen. Or how about discovering that your personal belongings have been stolen, windows have been broken or earnings have been taken from your safe. Whether you’re after Stock and/or Contents Insurance, we can ensure your business and personal items are kept safe. Providing compensation on everything from refrigeration faults, electricity failures and dishonesty caused by those working for you, Stock & Contents Cover through The Insurance Octopus is really quite comprehensive. 

    Don’t let unexpected events be the be-all and end-all, and be proactive with a Restaurant policy through The Insurance Octopus. 

    Seasonal Increases

    We know that your stock levels may fluctuate throughout the year, especially during busy periods such as Christmas and Easter. You want to ensure that you have enough ingredients to cater to the needs of your clientele, and therefore make as much profit as possible. If your current policy only covers you for a specified number – or amount – of stock, then we recommend covering any increases in stock in case of any damages, destruction or spoils. This cover means your ‘sums insured’ can also increase, protecting your whole inventory. 

    With Seasonal Increases cover, you won’t get caught out. 

    Personal Accident Cover

    Your safety is important to us, and therefore it should be important to you too. Personal Accident Cover can give you peace of mind knowing that should you suffer an injury at work or even outside of work, that you’ll be covered financially. Instead of losing money due to potential closure, or the cost of having to hire an interim manager, we can source policies that offer you compensation for any potential losses. Should you ever need to be hospitalised, the policies can also cover the cost of support too. 

    In our eyes, accidents shouldn’t be penalised, and therefore, neither should you. 

    Fixtures & Fittings

    Is your restaurant full of stylish artwork, imported carpet and glassware that impress every customer that walks through your doors? Or how about big, bright signs that can be seen from a mile away or shelving units that showcase your alcohol offering? We know that these are vital parts of your restaurant’s branding, and should anything happen to them, they could be expensive to replace. Fixtures & Fittings insurance through us covers loss of, and damage to, items such as carpets, mirrors, seating and tables, as well as structures that you’ve erected yourself. 

    Injecting your restaurant with personality, we don’t ever let it go to waste. 


    Loss Of Licence Cover

    If alcoholic drinks are part of your menu, then it’s crucial that you have a licence that allows you to sell such beverages. Without a licence, you could end up facing extortionate fines, and possibly even a jail sentence. Therefore, it’s never worth the risk breaking the law when it comes to your business. However, a Loss Of Licence cover means you can receive compensation for loss of earnings if your licence is withdrawn subject to the insurers terms and conditions. 

    Losing a licence doesn’t have to mean you lose money when you’re covered with Loss Of Licence Insurance through The Insurance Octopus. 

    Loss Of Money

    Even the most secure of businesses can find themselves losing money via violent and forcible means. Whether you lose £1,000 or £10,000 any amount of money going missing can have a huge impact on the operation of your business, and what you can afford to pay for. Loss Of Money cover ensures that you’re insured against such losses to maintain your financial stability. Regardless of whether your money was stolen during business hours, while in a bank night safe, while in a locked safe when your restaurant was closed, while in transit or not in a locked safe when closed for business, you’ll receive compensation for the amount taken so that you can get back to business as quickly as possible. 

    Through The Insurance Octopus, a loss is never a loss for long. 

    Legal Expenses

    Legal Expenses Insurance ensures that you are financially covered should legal action be taken against you, or by you. Covering everything from legal and tax advice, a counselling helpline and employment protection through to contract and debt recoveryLegal Expenses Insurance also covers costs incurred due to court dates, trials and representation.

    It can be a lengthy process dealing with court cases, but it doesn’t have to be a costly one. With claims taking as little as 15 minutes to make, we can make this process a lot less stressful.

    Shop Front & Glass

    Many restaurants, such as those found on the high street, utilise big shop front windows to attract customers, and bring in passing trade. Showcasing your stunning style, your happy customers and the friendliness of your staff, these windows truly are the windows to your business’s soul. Should an accident or malicious attack leave your window damaged or broken, it can cost thousands of pounds to replace, and therefore it’s imperative that you have a policy in place that covers the costs and fixes your restaurant’s front as quickly as possible.

    Shop Front & Glass Insurance through The Insurance Octopus covers up to £10,000 and includes boarding up the area, repair, replacement and any damage done to frameworks too. 

    Entertainers Insurance

    Whether you have an in-house singer or regularly let new bands share the spotlight, the atmosphere those talented individuals create is certainly a draw for your customers. Perhaps you also run charity events or even host party and wedding dos at your establishment? That’s all very exciting, but what isn’t are claims of personal injury, public liability and damages caused to equipment. If you employ entertainers as part of your regular business activities, our Entertainers Insurance add-on can pay compensation to all those concerned, ensuring that the good times can continue for as long as possible. However, be aware, if you allow acts not employed by the business to use your premises, you’ll need to make sure they have their own cover. 

    We all know that accidents happen, so when they happen to you, we’ve got your back, and find policies that have you covered. 

  • Our Process: Choosing The Right Cover For You

    If you’re new to The Insurance Octopus, then you’ll love how easy we make the process of finding the right policy:

    • To get a quote, click here. This handy application form asks for personal details such as your name, the restaurant’s name, telephone number and email address, as well as information concerning your business’s annual turnover, the products you sell and whether you’ll need buildings cover.
    • Then based on the information you provide us with, we’ll arrange a call with you to learn more about your restaurant, and to discuss a range of policies in more detail. We can also source bespoke quotes not available online, and due to our in-house underwriter, offer them in a fraction of the time.
    • When we’ve taken you through our range of options, and you’ve chosen the policy that’s right for you, we’ll process all of your information and cover will start immediately. Your policy documents will be sent via email, and we can send a copy in the post too should you request it.
    • It really is that simple. If you’re looking for Restaurant Insurance that comes without the hassle, then get your no-obligation quote today.
  • How To Make A Claim

    If you ever need to make a claim on your insurance, luckily, with The Insurance Octopus, it’s a pretty straightforward process:

    • Report the incident to us or directly to your insurer using the Helpline provided in your documents, taking note of dates, times, key facts and details of what has happened. If theft or malicious damage is involved, please also contact the police.
    • Check your insurance policy and ensure that you’re covered for what has happened.
    • When discussing this with your insurer, having your policy document, receipts for anything stolen or damaged and any information that you feel will help your cause to hand will make the process a whole lot easier.
    • If your claim is unsuccessful, or you run into any issues or areas of concern, then please give our team a call on 0161 968 2060 to discuss this further. We’ll do our utmost to rectify any issues, although we cannot promise we can overturn any decisions made.
    • Your insurer will then process the claim as quickly as possible, and you’ll receive your compensation in a matter of days.
    • We’re always here to help, so if you ever need us, please don’t hesitate to get in touch.
  • Why Choose The Insurance Octopus

    • We are an award-winning team of insurance experts with over 50 years’ of industry experience serving small businesses across a range of sectors.
    • Personalised business insurance policies through us are designed to allow you to simply add, remove, increase or decrease any and all areas of your policy. We can source a personalised Restaurant Insurance policy which has all of the essential cover you require – all in the same place. 
    • There are never any mid term fees or hidden fees within your policy. We’ll go through your policy with you right from the start to ensure that there are no nasty surprises, and that you’re clear on what you’re paying for.
    • Whenever you need to make a claim, the last thing you need is a lengthy process that makes the situation worse. Therefore we make the claims process easy so that breakage, damage, loss or injury doesn’t seem like an issue for long.
    • We understand how expensive claims can be, which is why we offer up to £5 million worth of public liability cover for restaurants of all shapes and sizes, with more available upon request.
    • Whether you own a diner, restaurant, cafe or family joint, we’ll work together to find the right policy for you.
  • Case Study

    Talk About A Bad Hair Day

    A well-established hairdresser recently contacted The Insurance Octopus because they were in need of an affordable policy for their salon. When they contacted us, one of our expert insurance specialists guided them in sourcing a tailored quote for their business, ensuring all their business needs were covered. This included cover for specialist treatments unique to their salon. 

    Not long after taking out the premium, one of the hairdresser’s clients suffered injuries due to a treatment, and so, the hairdresser put in a claim. However, it was denied by the insurer. Therefore, the hairdresser contacted us and we noticed that the treatment was not listed in their policy. The hairdresser informed us that they must have accidentally missed it off their list when going through their treatments with us, and that it was a genuine mistake. As we always see the best in our clients, we decided to investigate their plight further.

    A team of compliance officers searched for the initial call recording to determine what had happened on the call. The team discovered that the hairdresser had accidentally missed out the treatment when they were listing their treatments to our insurance specialist. We concluded that the hairdresser did not deliberately withhold information about their treatment and as such, we decided to amend their policy to include the treatment at no additional premium, ensuring that they receive their full cover. It’s because of our strong relationships with all of our insurers that they take our recommendations on board when it comes to cases such as these.

    From a simple missed treatment, The Insurance Octopus saved the hairdresser from a potential financial disaster. Mistakes happen, but we don’t let them happen to you. If you’re looking for a bespoke quote that meets all of our business’s needs, then speak to one of our insurance specialists today.

  • What Type Of Insurance Does A Restaurant Need?

    A restaurant insurance quote and restaurant insurance policy through The Insurance Octopus can provide extensive restaurant insurance coverage for a range of restaurant business insurance needs. We understand the restaurant insurance, diner insurance, takeaway insurance and bistro insurance may need a tailored approach, and therefore, we give a rundown of the main types of restaurant insurance policies that you may want as part of your restaurant insurance cover.

    • Restaurant Product Liability Insurance: Product Liability Insurance will provide restaurant insurance cover for any harm your restaurant customers experience – such as accidental food poisoning, which may incur expensive hospital fees, medical costs and restaurant insurance claims.
    • Restaurant Public Liability Insurance: Public Liability Insurance can protect your restaurant business from compensation claims of accidental bodily injury, accidental damage to personal belongings, and costs of medical treatment.
    • Restaurant Employers Liability Insurance: Through The Insurance Octopus we source £10 million Restaurant Employers Liability Insurance policies, providing restaurant insurance cover for bodily injury, mental injury or other insurance claims made against you by employees and part-time employees.
    • Restaurant Business Interruption Insurance: Business Interruption is a handy restaurant insurance policy that covers the lost profit and revenue as a result of fires, floods, vandalism and loss of license, with some policies offering a small amount of cover.
    • Restaurant Stock Insurance: Stock Insurance as part of your restaurant insurance quote and restaurant insurance quote can provide restaurant compensation should your ingredients, finished products and beverages be damaged or stolen.
    • Restaurant Seasonal Increases Insurance: Seasonal Increases Insurance is useful for restaurants that see influxes of restaurant customers at certain times of the year. Need more tea in winter? Need more cakes in summer? Seasonal Increases Insurance will insure these seasonal increases of stock, as well as other seasonal periods such as Easter. Christmas and bank holidays.
    • Restaurant Buildings Insurance: Buildings cover should form a key part of your restaurant insurance policy if you own the building, or have made changes to the rented space.
    • Restaurant Glass Insurance: Providing restaurant business insurance cover for any damage done to your windows, Glass Insurance from The Insurance Octopus can cover the costs of repair and replacement.

    We can also research restaurant insurance quotes for Personal Accident Insurance, Fixtures & Fittings Insurance, Loss of License Insurance and Loss of Money Insurance, as well as Legal Expenses Insurance. Offering restaurant insurance policies, including Chip Shop Insurance, Takeaway Insurance and Diner Insurance, here at The Insurance Octopus, we’ve got you covered. Get in touch with us to discuss your new restaurant insurance quote and restaurant insurance policy today.

Pub & Restaurant Insurance FAQs

  • Why is Pub Insurance or Restaurant Insurance necessary?

    If you own or operate a pub or restaurant or similar-style venue, then you will likely be aware of the unique potential risks that can come with it.

    Ensuring your customers’ and employees’ safety, replacing broken equipment, and protecting your business should you lose your license for reasons not under your control are all key concerns for those in the hospitality industry.

    Being a pub landlord or restaurateur is a big responsibility and this is why a specialist pub insurance policy or restaurant insurance policy may be necessary in order to cover key aspects of your business and protect your liabilities.

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  • What optional covers should I combine with my Pub Insurance or Restaurant Insurance policy?

    Do you have employees?

    If you employ anyone outside of your immediate family, including casual or part-time workers and temporary staff or trade as a limited company, then the law requires you to have Employers Liability.

    Cover provided is for injury or sickness claims made by employees against you as a result of your negligence; the law requires that you have cover of at least the minimum level of £5 million our policies provide £10 million as standard.

    You should check carefully if you need it, because you can be fined up to £2,500 for each day you do not have suitable cover in place.

    Do you have contact with third parties?

    Any business which involves contact with customers should consider Public Liability cover. If you or your business ends up being responsible for injuring someone or causing damage or destruction to their property as a result of negligence during your day to day business activities, then Public Liability insurance can cover the costs related to someone making a claim against you.

    Do you sell products to consumers?

    Many businesses take our Product Liability insurance to protect them from legal costs and damages awarded as the result of claims made against them under product liability laws.

    If your business supplies products to consumers, you need to make sure that they are safe. Most of the responsibility falls on the manufacturer, importers or those businesses that supply own-brand products; including those that change, customise or service the commodities as the modification can affect the safety of the product. Pubs and restaurants however, also have legal responsibilities for all the products that they stock and sell.

    Anyone who is harmed by an unsafe or contaminated product that you have sold can place a claim against you. You can be sued by an individual who is injured or by an unsafe product that you have supplied even if they didn’t buy the product themselves.

    Do you have stock as part of your business?

    Stock is unique to every business, for pubs and restaurants it will be mainly made up of food, drink including alcohol or both that needs to be considered. Insuring your stock with stock cover is vitally important as it will help to cover the cost of replacing your stock at cost price if it is damaged, destroyed or stolen. Because loss of stock can cripple a business, it’s important to ensure it is fully protected.

    Do you have business premises?

    Buildings insurance covers the cost of repairing or rebuilding your business premises if they aredamaged or destroyed by an unexpected crisis such as fire, flood or theft damage. For a pub or restaurant, ensuring that you can get your business premises up and running after an unexpected insurable event should be a key consideration.

    You should insure your business premises against the cost or rebuilding the property, not against its market value or sale price.

    If you own your business property, then you should consider buildings insurance to cover you. If you rent your business premises, then buildings insurance is your landlord’s responsibility – but you should contact your commercial landlord to make sure they have not made you responsible by contract.

    You may also want to consider taking out Contents cover which can include your fixtures and fittings this provides the funds after the deduction of the policy excess to replace your business’ equipment and permanent fixtures if they are damaged or stolen.

    For more information about available additional policy covers, get in touch with our insurance specialists.

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  • What level of pub/restaurant cover do I need?

    The level of cover you need will depend on a variety of factors. The team here at The Insurance Octopus can help to make sure your business is adequately covered. Contact us on 0161 968 2041 or start your Pub Insurance or Restaurant Insurance quote online.

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