Restaurant Insurance
Comprehensive cover designed specifically for restaurants, cafes, and food service businesses — protecting your premises, people, and livelihood.
What's Covered
Restaurant insurance brings together the essential covers that food service businesses need into a single, comprehensive policy.
Buildings & Contents
Covers your premises, fixtures, fittings, kitchen equipment, furniture, and stock against fire, flood, storm, theft, and accidental damage.
Public & Product Liability
Protects against claims from customers who suffer illness or injury on your premises, or from food and drink you serve — including food poisoning.
Employers' Liability
Legally required cover for claims from staff who are injured or become ill as a result of their work, including part-time and seasonal workers.
Deterioration of Stock
Covers the cost of replacing perishable stock lost due to fridge or freezer breakdown, power failure, or contamination events.
Business Interruption
Compensates for lost revenue and ongoing costs if an insured event — such as a fire or flood — forces you to close temporarily.
Money & Glass
Covers cash on premises and in transit, plus replacement of plate glass windows, doors, display cases, and external signage.
Tailored for Food Service
We understand the unique risks facing the food and hospitality sector and can arrange cover for all types of food service operation.
Restaurants & Fine Dining
Full-service restaurants with dine-in, takeaway, and delivery operations, including liquor liability for licensed premises.
Cafes & Coffee Shops
Independent cafes, bakeries, and coffee shops serving food and hot beverages to eat in or take away.
Pubs, Bars & Caterers
Licensed premises serving food and alcohol, gastropubs, wine bars, and mobile or event catering businesses.
Frequently asked questions
Does my food hygiene rating affect my insurance?
Yes. Insurers view your food hygiene rating as an indicator of risk management. A rating of 5 (very good) can help secure more competitive premiums, while a low rating may lead to higher premiums, additional conditions, or difficulty obtaining cover. Maintaining high standards benefits both your customers and your insurance costs.
Does restaurant insurance cover food delivery?
If you offer delivery services — whether through your own drivers or third-party platforms — you should ensure your policy extends to cover product liability for food in transit and public liability for delivery staff. We can arrange cover that includes delivery operations as standard.
Am I covered for outdoor seating and pavement dining?
Outdoor seating areas, beer gardens, and pavement licences can be included within your public liability and property cover. It is important to declare all external trading areas to your insurer so that they are properly covered for customer injury, weather damage, and theft.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.