Restaurant Insurance

Flexible & tailored policies for restaurants

Get cover from just £38.21 per month

Start your quote

What is restaurant insurance?

Get hassle free cover 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 protect your business with a comprehensive Restaurant Insurance policy that covers the majority of eventualities, so that financial and emotional damage are kept to a minimum. 

With over 50 years’ experience between our award-winning team, and industry qualifications to boot, we will provide you with expert guidance and support right from the start. We’ll discuss 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 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 specialist team today on 0161 968 2060.

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.


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.

Theft

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. 

Coronavirus

No one could have predicted the impact of COVID-19 and the effect it would have on every single life across the world. No one could have guessed that businesses would close for as long as they did, and the adjustments required would change operations for the foreseeable future. Though the Food Standards Authority states that, ‘’it is very unlikely that you can catch coronavirus from food’’, there are still special safety precautions that restaurant owners are being advised to take when they reopen their restaurants. 

To help reduce the spread of COVID-19 in restaurants and protect your restaurant clients, restaurant staff and business, it’s recommended that you:

1)Use PPE (personal protective equipment) when it comes to the handling and making of food, which includes gloves and face masks.

2)Ensuring hygiene processes and allergy processes are upheld, and this includes

  • Cleaning utensils before each usage.
  • Regularly washing hands thoroughly.

Coronavirus Continued

  • Storing ingredients and prepared foods separately.
  • Takeaway meals should be labelled clearly so customers know which dishes are suitable for those with an allergy.

3)When it comes to food deliveries, adhering to social distancing rules (keeping 2 metres apart) and not accepting cash tips.

4)Setting up a reservation system and reducing numbers of restaurant customers considerably.

5)Carrying out a full site assessment to determine if you can undertake a thorough clean or if a professional deep clean is needed for your restaurant.

6)Increase frequency of cleaning and disinfection, paying particular attention to shared equipment and high through-put and touch areas.

You can find more information on the Food Standard Authority’s guidelines here.

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.

Why You Need Restaurant Insurance

Our 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 restaurant insurance in place.

You Should Choose Restaurant Insurance From The Insurance Octopus Because:

Up to £5 million of cover

Claims can be expensive, that’s why we offer up to £5 million worth of public liability insurance cover for restaurants. With more available upon request.

Fast 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.

An expert 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.

  • In one policy we 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 offering is suitable for restaurants, takeaways, cafes, diners and other great eateries, and we’ll work with you to find you the right policy.
  • 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.

Ultimately, you should choose The Insurance Octopus because our team of insurance experts will discuss your business’s needs in great detail, and provide you with quotes that match your requirements.

The agent was brilliant. Explained everything very clearly. Was friendly, patient and helpful. Made sure the call went smoothly and not once did I feel pressured in making a decision. Definitely would recommend.

Not had a great service like this for sometime and was good to experience it and know there is a company who values customers. – Mohammed Riaz

Our Cover

We manage partnerships with a range of top-rated UK insurers, allowing us to negotiate prices and policies on your behalf. Our extensive knowledge of the market enhances these discussions, ensuring that you end up with 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, our Restaurant Insurance 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 our standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request, subject to terms and conditions.

We’ll also pay for the defence costs incurred for covered claims, so with our Public Liability Insurance, you have nothing to lose.

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. Our Employers’ Liability for restaurants comes with £10 million indemnity cover, ensuring you’re covered against any and all eventualities.

You have a duty of care to your staff, and with our Employers’ Liability, we’ll ensure you’re taken care of too.

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 with us to ensure 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. We 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. Our policies 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, our Stock & Contents Cover is really quite comprehensive.

Don’t let unexpected events be the be-all and end-all, and be proactive with a Restaurant policy from 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 offer you compensation for any potential losses. Should you ever need to be hospitalised, we’ll 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. Our Fixtures & Fittings insurance 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, with our Loss Of Licence cover, you’ll 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 our Loss Of Licence Insurance.

Loss Of Money

Even the most secure of businesses can find themselves losing money via violent and forcible means. Whether you lose £1000 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.

With 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 recovery, Legal 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.

Our Shop Front & Glass Insurance 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 got you covered.

With so much to offer our clients, we know that we can create the right policy for your business. To discuss any of the options mentioned above and to discover what else we can offer you, please don’t hesitate to get in touch with us today on 0161 968 2060. We’re only too happy to help.

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 our range of policies in more detail. We can also create 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.

When it comes to renewal, we’ll contact you again via email and letter 25 and 28 days before the policy is up respectively. Should you wish to change its terms, simply let us know and we’ll arrange this with you.

It really is that simple. If you’re looking for Restaurant Insurance that comes without the hassle, then get your no-obligation quote today.

I tried several big names for insurance. I then came across The Insurance Octopus and everything was sorted within minutes. Very impressed with the professionalism and no nonsense approach by staff. Would definitely use you again and recommend you to others. – Mrs Annette Owen

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.

The Benefits Of Restaurant Insurance

Restaurant Insurance from The Insurance Octopus 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 protects you, your staff and your restaurant from expensive lawsuits and hassle, and when you choose a policy from 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 from The Insurance Octopus and secure your business today.

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.

Our personalised business insurance policies are designed to allow you to simply add, remove, increase or decrease any and all areas of your policy. We can create 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.

We truly value the business our clients give us, and to show gratitude as one of ours, you’ll have access to Octopus Rewards. This includes savings on gas, electricity, broadband and telecoms, as well as discounts on travel insurance and motor insurance.

Whether you own a diner, restaurant, cafe or family joint, we’ll work together to find the right policy for you.

I had a fabulous experience with Connor yesterday who has arranged our insurance for the coming year.

He was professional from beginning to end and really listened to our circumstances and what we require. Thank you so much for helping us

Best part is, he also found us a very competitive price! You have saved me £35 per month compared to last year’s price! – Mike Messenger

What Type Of Insurance Does A Restaurant Need?

A restaurant insurance quote and restaurant insurance policy from 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: At The Insurance Octopus we offer £10 million Restaurant Employers Liability Insurance, 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 provide 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.

Guide To Increasing Restaurant Footfall

Encouraging more customers to walk through your restaurant’s doors is likely your number one priority, along with providing a high level of customer service, and a great choice of food and drink. But how do you go about this? Increasing your curb appeal is a good place to start, but there’s a lot more you can do to build up your restaurant clientele. In this restaurant guide, we guide you through some tips that our restaurant insurance clients have found to be a great benefit, when discussing them during the restaurant insurance quote and restaurant insurance policy stage.

Personalised Promotions

Find a map and draw a 5, 10 and 15 mile radius around your restaurant’s location. The people who live within this will be your most frequent restaurant customers, so take note of any key sites too. For example, is there a university nearby? If there is, you could offer student discounts or contact their Students Union and donate food for key events. How about a weekly market, where you could sell your home-made meals and cakes to a wider audience? It’s all about getting your name out there, to bring customers into your restaurant.

 

Take Control Of Your Online Listings

In this internet-dominated world, it should be no surprise that many restaurant customers will visit restaurant websites, read restaurant reviews and visit a restaurant’s social media channels before deciding to give your restaurant a chance. Restaurant reviews are very important – especially if there are any negative reviews citing product liability, employer liability or issues with food safety. This is why a restaurant insurance policy is always a good choice, because it can protect you from expensive legal fees and restaurant insurance claims. By ensuring that you engage with restaurant reviewers, and ensuring that you have a positive web presence on Google My Business, Facebook, TripAdvisor and Yelp (for example), you can start to build an online reputation, as well as an online community centred around your restaurant too.

 

Update Your Restaurant Signage

Your outdoor signage system should achieve 4 main things: let customers know who you are; give them information – such as a menu to look at; look appealing; spark a conversation. The more eye-catching your restaurant’s signs and entrance are, the more passers-by will stop in. Outdoor signage can also mean window graphics and displays – which could showcase some of your delicious desserts. 

 

Take It To The Streets

Considered offering free samples to passers-by? Meeting customers on the streets can be a great way of enticing them to your venue, and creating a rapport with individual customers will help build relationships and generate vocal ambassadors who will sell your venue for you. You’re not limited to your restaurant’s four walls, and there’s nothing stopping you from motivating new customers to visit your restaurant. 

And when the customers keep on rolling in and raving about your restaurant, don’t forget that a restaurant insurance policy can help keep your restaurant protected, providing restaurant insurance coverage for a range of insured events, such as stock insurance, product liability, employer liability and glass insurance, among other restaurant insurance solutions.

FAQ's

Get the answers you're looking for

What exclusions are there?

Though dependent on the policy you take out, the general exclusions that your restaurant will be subject to include:

Employers’ Liability: We will not pay for claims made for bodily injury occurring offshore, suffered where motor insurance is involved or due to deliberate or reckless acts caused by the policyholder.

Contents: We will not pay for losses caused by wear and tear, clear defect, fungus, rot, vermin or infestation. We will also not pay for any loss or damage to any vehicles, phones, laptops, tablets, PDAs or wearable technology while away from the insured restaurant.

Equipment Breakdown: We will not pay for any losses occurring from a computer program or virus that has been maliciously introduced.

We’ll discuss exclusions with you during our phone call.

What are my obligations as a policyholder?

• To provide us with full and accurate information regarding your business and to inform us straight away if your policy needs updating.
• To tell us of any changes in circumstances that may impact the services provided by us or the cover within your policy.
• To tell us about all potential risks, because otherwise, it could invalidate the policy, and claims may not be paid, or the amount paid out may be reduced.
• To take reasonable steps to mitigate any loss or liability – for example – by installing alarm systems, fire suppression systems and training all staff in food hygiene.

In a single policy, what cover could be included?

Dependent on your restaurant’s needs, in a single policy, you could have: Public Liability; Employers’ Liability; Product Liability; Stock & Contents Cover; Buildings Cover; Fixtures & Fittings; Loss Of Licence Cover; Personal Accident Cover; Seasonal Increases; Business Interruption; Legal Expenses; Loss of Money; Shop Front & Glass; Entertainment.

What types of restaurants are covered under your restaurant insurance?

A restaurant insurance policy with The Insurance Octopus can cover many different types of establishments, including, but not limited to: cafes, fish & chip shops, kebab restaurants, Italian restaurants, Thai restaurants, takeaway restaurants, fast food outlets, bistros and burger bars, as well as pizzerias and buffet restaurants.

Should your restaurant be of a different type, or if you’re unsure whether we cover your establishment, please don’t hesitate to get in touch with us on 0161 968 2060 today and we’ll be sure to answer all of your queries and questions.

Why do I need restaurant insurance?

From fires, food poisoning and theft to leaks, injury and supply issues, if you own a restaurant, then you’ll be aware of all of the potential risks. Ensuring your customers’ and staff safety, and protecting your business should you lose your licence should be key concerns of any restaurant manager, as should what you’d do in cases of severe damage. Working in insurance, we know that you can’t always control what happens, but you can control the effect it has on your business. Restaurant insurance can cover you and protect you from liabilities, and ensure your business is always shipshape.

How do I get a policy?

To get a restaurant insurance policy, please fill out our simple quote form and one of our helpful restaurant insurance account managers will be in touch to discuss your business’s needs and requirements and help to create a policy that will meet them. When you’ve chosen your policy, we’ll process all of the information you have provided us with and your cover will start immediately. Your policy documents will be sent via email, and we can send a copy in the post too should you want this.

If I own my restaurant’s premises, why might buildings cover be a good idea?

Buildings insurance covers the cost of repairing or rebuilding your restaurant if it is damaged or destroyed by an unexpected event such as a fire, flood, storm or landslip. For a restaurant, ensuring that you can get your premises up and running again following an unexpected, yet insurable, event, should be a key business decision. We always recommend insuring your business premises against the cost of rebuilding the property, and not against its market value or sale price, because otherwise, you could be left shortchanged.

It’s important to note that if you rent your restaurant’s premises, then buildings insurance is usually your landlord’s responsibility. We strongly suggest that you contact your landlord however to ensure that they have not made you responsible by contract, and that you have no nasty surprises in store.

How do I make a claim?

We aim to make this process as easy as possible, because we know that when you need to make a claim, the less stress involved, the better. Firstly, report the event to your insurer directly using the helpline and claims number provided in your policy document and if you need any additional help talk to us here at The Insurance Octopus. Have your policy document, receipts and any useful information to hand, and check whether you’re covered for these types of events too. Your insurer will then process the claim as fast as is possible, and you’ll receive your compensation in due course.

Should your claim not go through, we recommend giving our team a call on 0161 968 2060 to discuss what you should do next, and to see if we can help.

What does your contents insurance cover?

Contents insurance for restaurants protects you when the contents of your insured premises is lost, stolen or damaged. You will receive compensation for any loss caused by: fire; storm, flood or escape of water; accidental damage; theft (provided that there is evidence of forced or violent entry to or exit from a securely locked room or building); any damage done to windows, doors, shelves and mirrors; any loss to money held in connection with the business, including while in transit and at your employees’ homes; any damage to refrigerated stock which has spoiled due to a fault in the refrigeration unit, escape of refrigerant or failure of the electricity or gas supply.

Please note that specific cover and benefits do differ dependent on your insurer, and it’s always worth speaking to one of our insurance specialists about potentially useful add-ons to our Contents insurance, such as Accidental Damage and All Risks.

What should I do if my circumstances change during the period of insurance?

Should you have any change in your circumstances which you feel may affect your policy then please contact us as soon as possible so that we can check this for you with your insurers. An error could be the difference between receiving compensation and not, so it’s always best to be safe, and not sorry. Our customer services team is available on 0161 968 2060 to help.

What are Octopus Rewards?

With Octopus Rewards, you gain access to a variety of discounts and savings to help you and your business to save money. Our rewards include:

• Get £25 credit towards a range of business services when you switch to kinex, which includes business energy, phone, broadband and mobile.
• 10% off Aviva Home and Motor Insurance.
• 5% Off Aviva Travel Insurance.
• 50% off key business and legal documents when using HR Heroes.
• The ability to show your customers, staff and key stakeholders you’re insured by placing a policy badge from The Insurance Octopus on your website.

Our rewards are all the more reason to discover whether The Insurance Octopus is right for you.

Very helpful and happy call centre to deal with. Short waiting times, quick and accurate service getting my documents. Great call back service at busy times. Easy to make changes to my policy and always able to effectively answer my queries on products. Saved me money on the annual policy review with better coverage so I can’t think of a reason to look elsewhere! – Chloe

Get In Touch

To learn more about our range of Restaurant Insurance policies, and just what our fantastic team can do for your business, please don’t hesitate to get in touch with us today on 0161 968 2060.

Other types of Hospitality Insurance we can provide

Bar Insurance
Bed & Breakfast ...
Cafe Insurance
Hotel Insurance
Pub Insurance
Restaurant Insurance

Articles & guides for the hospitality trade