Restaurant
Insurance

What is Restaurant Insurance?

Restaurant Insurance protects your business against risks such as customer injuries, food poisoning claims, and damage to your equipment or premises. Whether you run a restaurant, café, takeaway, or pub, having the right cover ensures you won’t face financial hardship if something goes wrong.

From small independent cafés to large restaurant chains, tailored insurance provides peace of mind, helping you meet legal requirements and keep your business running smoothly.

Who Needs Restaurant Insurance?

If you serve food and drinks to the public, you need Restaurant Insurance. This includes:

• Restaurants & Cafés – Protection against customer injury, foodborne illness claims, and property damage.
• Pubs & Bars – Cover for accidents, spillage-related incidents, and liability for customers on your premises.
• Takeaways & Fast Food Outlets – Ensures you’re covered for delivery risks, customer claims, and kitchen mishaps.
• Street Food Vendors – Protects against public liability claims at markets, festivals, and pop-up events.
• Hotels & Catering Services – Covers liabilities for guest injuries, food contamination, and event-related incidents.

Why is Restaurant Insurance Important?

Even a small incident can lead to costly claims. Without the right insurance, legal fees and compensation costs could put your business at serious financial risk.

Common risks that Restaurant Insurance protects against include:

• Slips, Trips & Falls – Covers claims if a customer or staff member is injured on your premises.
• Food Poisoning & Allergic Reactions – Protection if a customer claims illness due to food served at your establishment.
• Fire & Equipment Damage – Covers repair or replacement costs for kitchen equipment and premises damage.
• Legal Costs – Covers defence and settlement fees if a claim is made against you.

What’s Covered in Restaurant Insurance?

Restaurant Insurance policies typically include:

• Public Liability Insurance – Covers injury or property damage claims from customers or visitors.
• Employers’ Liability Insurance – A legal requirement if you have staff, covering workplace injuries and illness.
• Product Liability Insurance – Covers claims related to foodborne illness or allergic reactions.
• Business Interruption Insurance – Protects your income if you have to close temporarily due to an insured event.
• Stock & Equipment Cover – Protection for kitchen equipment, food supplies, and contents against theft or damage.

What’s Not Covered?

• Employee injuries – Covered under Employers’ Liability Insurance.
• Intentional or fraudulent acts.
• Gradual wear and tear of equipment.

Additional Cover You May Need

Depending on your restaurant type, you may need additional cover such as:

• Business Building Insurance – Protect your restaurant premises and assets.
• Employers’ Liability Insurance – Legal cover for staff injuries or illness.
• Business Interruption Insurance – Income protection if you have to close unexpectedly.
• Cyber Insurance – Covers online payment security breaches and data theft.

At Insurably, we work with top insurers to find tailored cover for your restaurant, ensuring you’re protected against the risks unique to the hospitality industry.

Start your quote online, and let us match you with the best insurer to safeguard your business.