Restaurant Insurance

Quotes currently processed within 1 hour

Running a restaurant comes with enough challenges without worrying about the right insurance. We provide tailored restaurant cover that makes life easier for brokers and keeps your clients protected — from fine dining to local independents.

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Features & Benefits Businesses Covered Cover Highlights Additional Information

Features & Benefits

  • A-rated capacity provided by Hadron or Accelerant

  • A wide range of restaurants are able to be covered, regardless of size, location and cuisine

  • Coverage can include:

    • Food delivery (including third-party deliveries)
    • Live music and events
    • Pop-up restaurants
    • External events, including pop-up restaurants at events

  • Cover for outdoor seating and catering

  • Total MD/BI sums insured up to £20 million (per location)

  • Skilled underwriters ensuring prompt response to quotes

  • Highly competitive rates with generous commission levels

  • Quotes processed within 1 hour, urgent cases always prioritised

  • Claims managed by Sedgwick, a specialist claims management company

  • 30% of quotes returned instantly

Businesses Covered

We can provide terms for most types of restaurant, including but not limited to:

  • Fine dining restaurants
  • Fast food outlets
  • Restaurants offering a wide range of global cuisines
  • Casual dining establishments
  • Bistros
  • Restaurants offering takeaway services with dine-in options
  • Food Courts and Food Kiosks
  • Dark Kitchens

Cover Highlights

  • Business interruption – £500,000
  • Goods in transit – £2,000
  • Money – £5,000 in transit / £2,000 in safe
  • Deterioration of stock – £2,000
  • Glass cover – unlimited
  • Public & products liability – £5,000,000
  • Employers liability – £10,000,000
  • Legal expenses – £100,000
  • Buildings
  • Contents
  • Tenants’ improvements
  • Stock
  • Electronic business equipment
  • Delivery

Additional Information

  • We class the business as a restaurant where the majority of sales are food rather than wet sales. If a customer of the business would visit for a drink only, then this would be better suited on our pub product.
  • We are able to provide cover for restaurants with multiple locations on our multi-location hospitality product.
  • To get a quote for dark kitchens select Restaurants as the type of risk, then Dark Kitchen as the ‘category which best describes the business type‘

If you are unsure get in touch via our online chat or call 0333 032 5000.

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