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Finding The Right Restaurant Insurance For You

If you run a restaurant you will know how much work goes into making it happen. It baffles us at Quote Goat how  restaurants manage to deal with stock, premises, customers, bookings, menu changes, equipment, employing staff and much, much more. In light of this, we have made it quick and easy to find quotes for restaurant insurance. Click the quote button above, fill out your details and let restaurant insurers compete over winning your business. At least you can be assured you are getting a great insurance deal for your restaurant.

Every restaurant is unique, from independent family run operations right through to national food chains. It’s therefore extremely important to have quotes that match your exact operation.

Features of Restaurant Insurance

Public liability cover

Running a restaurant give rise to the potential of a customer/member of the public making a claim against you, including accidents at your restaurants, slips and trips or even poor health due to food/drink problems.

Public liability protects you against claims of this nature which could otherwise leave you having to make substantial compensation payments, clearly something that restaurant owners would like to avoid at all costs.

Employers’ liability insurance

Employers’ Liability insurance covers you for any staff that you may employee and comes into action if an employee is hurt or falls ill due to employer negligence. This part of your restaurant insurance is required by law if you employ anyone. Please remember this relates to anyone involved in helping your restaurant to function. You do not need to be paying a person for the requirement to be in place, nor does that person have to have a written contract. If you have volunteers, students, PT of FT staff, employers’ liability insurance is a requirement. Equally, it is important to remember that you are required to keep on top of your H&S regulations, failure to do so can result in your insurance being invalidated.

The minimum legal level of employers’ liability insurance required by a business is £5 million.

Buildings insurance

Buildings insurance covers damage to the structure of your restaurant, including the roof, walls, ceilings, floors, doors and windows. It also includes the cover of underground pipes and damage to cables

Business interruption/Loss of Income

Whilst restaurants can be and often are profitable, successful businesses, there may come a time when you are unable to bring customers in through the door, for example if there were to be a fire in your kitchen, it is unlikely you will be open at the next meal but your other costs of the running the business will still carry on almost as normal.

One thing you might like to consider is loss of income insurance. Running a restaurant can be costly, but as long as the customers are coming in that’s not a problem. But if you’re unable to open for a while – because of a fire or some other incident, you’ll lose that revenue. Your overheads probably won’t stop, which could put you in a tricky position.

Products liability

Similar in nature to public liability, products liability protects your restaurant against damage and injury caused by your products that you have sold.

Accidental damage cover

Covers you for one-off accidents that may occur. As they are one-off an example is not particularly helpful here but we are sure you can use your imagination!

Loss of licence

Insures restaurants against the financial losses that occur due to the loss of an alcohol or music license which prevents a restaurant from carrying out normal business.

Legal expenses insurance including cover for contract disputes

Restaurant Insurance Exclusions

Below shows a potential set of insurance exclusions that could be included in your restaurant insurance policy.

  • Policy excess
  • Clauses around deep fat fryer equipment
  • Insurance only payable on the basis that minimum security conditions have been met
  • A warranty to keep all stock on pallets or racking making sure goods are a certain height from the ground

These above exclusions highlight the importance of reading through the restaurant insurance agreement to ensure you are aware of such exclusions.

Other Advice

With regards to employers’ liability insurance for your restaurant it is important to note there is a risk of fine for not having it.

Depending on your individual restaurant more cover may be required and if you don’t have adequate cover organised then you are risking the hefty fine.

At the time of writing, fines for failure to have valid employers’ liability insurance can be up to £2,500 a day.

It is also a requirement to display your certificate of employers’ liability insurance, failure to do so can result in a fine of up to £1000.

So, make sure you have the right employers’ liability insurance in place and avoid the risk of a heavy fine.

Other Advice

As with any other business, every pound is worth its weight in gold, particularly when starting out. In light of this, we recommend that you shop around for all your requirements including restaurant broadband, utilities, phones, credit cards and any other products typically found on comparison sites like Quote Goat.