Make sure your restaurant is properly protected and insured by some of the biggest names in UK restaurant insurance. Whatever type of restaurant you own, QuoteRack enables you to get cheap restaurant insurance quotes that include all the levels of cover that you would expect, including employers liability, public liability, insurance cover for your premises, fixtures and fittings, plus options to cover any loss of profits.
Insurance is available for all types of food-service establishments, including:
- Indian restaurants
- Chinese restaurants
- Thai restaurants
- Italian restaurants
- Pizza restaurants
- Sushi restaurants
- Steakhouse restaurants
- British restaurants
- Coffee bars & cafés
- Tea shops & tea rooms
"We manage a small coffee bar, offering food throughout the day and early evening - the insurance cover was easily arranged and we were held on cover very quickly"
If you own a restaurant and you are looking to insure it, QuoteRack's specialist insurance brokers will help you - just hit the 'Get a Quote' link to complete your details online.
Please also see our QuoteRack blog, offering some helpful front-of-house tips and advice for restaurateurs, and 6 restaurant kitchen pinch-points and how to avoid them.
Restaurant Insurance FAQs
Confused about all the menu possibilities under restaurant insurance, and need help deciding on your starter?
Read on for some help from our Maître D. and friends. We’ve gathered the freshest FAQ’s and answers just for you.
Restaurant insurance is a bundle of different products that combine to cover your restaurant business in different ways.
This gives you the freedom to build the package with your broker that suits your needs, rather than having to take a bunch of extras that don’t suit your business.
Apart from the legal requirement of employer’s liability insurance, it’s smart to make sure you cover a business that you are going to put a lot of time and money investment into.Apart from the legal requirement of employer’s liability insurance, it’s smart to make sure you cover a business that you are going to put a lot of time and money investment into.
Running a restaurant is already both frantic and stressful, so it’s good to have one less thing to worry about when you’re concentrating on getting diners in-house.
As an employer, you’re legally required to have employer’s liability insurance from the moment you become an employer.
The rest of your cover will depend on the type of restaurant you run, the number of restaurants you have in your portfolio, and a few other factors that your broker will advise you on.
In addition to your employer’s liability cover, you’ll probably want public liability insurance, which protects you in case any member of the public is hurt or get sick after eating at your restaurant.
This could be as simple as tripping up a step, slipping on a spill, or having a bad reaction to the daily special.
Aside from public liability insurance, you’ve got an absolute buffet of options to choose from, like glass coverage – which covers your front of house glass – building and contents insurance, business interruption insurance, and even money coverage for those busy periods.
Your broker will discuss all of these with you and point you at the right solution for your restaurant.
No. Whether you’re dishing up haute cuisine or hot dogs, from outrageous curries to sleek sushi, a good broker will find a solution for you.
Absolutely, provided you’re working from a commercial kitchen.
Ghost kitchens – a restaurant kitchen that’s set up purely for deliveries – is becoming a popular choice throughout the UK.
You’ll still likely need employers’ liability insurance for a start.
Your broker will work with you to ensure you are properly covered.
The cost of your package will depend on what you choose to cover with your broker.
Insurance policies typically cannot be backdated. You will receive an official start date for your policy to go into effect.
If you are switching providers, make sure you are not left without coverage during the switch over.
Thanks to a variety of options, you can get insurance whether you’re running a food truck or a coffee shop.
Your broker will point in the right direction to suit your individual business needs.