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 £15 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

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.

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

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