Restaurant Insurance

Restaurant Insurance with Prosura

As a fast-paced industry exposed to a great many risks, it’s imperative to have reliable restaurant insurance in place to protect your customers, staff, and your own livelihood.

Our experienced and knowledgeable brokers will help to secure the best restaurant insurance for your needs.

Whether you need small restaurant insurance, multi location insurance,  bistro insurance, insurance for fast food restaurants, or even pizza shop insurance, we’ve got you covered.

We also give all our Business Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

Why do you need Restaurant Insurance?

Because you’ve worked too hard building your business up for something to go wrong that ruins everything and threatens your livelihood. Restaurant insurance forms a critical part of your business.

As a restaurant owner, you’re responsible for your team, your diners, and any other third-party, such as a supplier, who steps foot on your premises. Then there’s the building itself, its contents, your stock, your takings, and more. There are many risk factors in the restaurant business and many facets that need to be protected.

Our expert team of restaurant insurance brokers understand the variety of risks you’re exposed to in the restaurant business. Using a broker such as Prosura, you can tailor your policy to make sure your coverage is adequate and appropriate for your needs.

What is Restaurant Insurance?

Restaurant insurance is a package of business insurance that will protect your business and its assets from the risks it’s exposed to. It’s typically formed of a number of different covers, including:

  • Employers’ liability insurance

All employers are legally obliged to have employers’ liability insurance. This will help to pay compensation and legal fees should one of your team become ill or injured as a result of the work they do for you.

  • Restaurant public liability insurance

Whether you own an independent establishment or a chain of restaurants, restaurant liability insurance will form one of the most important parts of your policy.

If an accident happens on your premises, you could be liable for damages. For example, if a customer slipped and injured themself on a wet floor, they could make a compensation claim against you.

In summary, restaurant public liability insurance protects your business from the cost of legal expenses and compensation payments should a third-party make a claim for injury or damages as a result of your business activity.

  • Product liability insurance

You also need food public liability insurance, which falls under product liability insurance. This covers the cost of a claim made against you if someone were to become unwell after dining at your restaurant.

What other insurance is needed for a restaurant?

In addition to the more standard cover within restaurant insurance, there’ll typically be some additional cover needed too.

If you own the building that your restaurant resides in, you’ll need buildings insurance. If you have expensive fixtures and fittings and equipment within your restaurant, you’ll want to make sure you have adequate contents insurance to protect them.

And if you’re unable to trade and have to close your doors temporarily, business interruption insurance will help to cover your loss of income.

Our experienced restaurant insurance brokers will work with you to understand the cover best suited to your needs. Some of the additional extras we can include in your restaurant insurance coverage are:

  • Buildings and contents insurance
  • Stock cover
  • Loss of licence
  • Theft of takings
  • Equipment breakdown cover
  • Business interruption
  • Legal expenses
  • Personal accident insurance

What does Restaurant Insurance cost?

Restaurant insurance costs vary depending on a number of factors. The size of your premises, its fixtures and fittings, any specialist equipment, its location, and claims history all impact restaurant business insurance costs.

Don’t be tempted by cheap restaurant insurance; it’s crucial to make sure your business is fully protected from the risks it’s exposed to.

The best way to get the most competitive restaurant insurance quotes is to use a broker such as Prosura. We work with a wide range of high quality insurers, which means we can create a bespoke package with adequate cover, at the right price.

Why Buy Restaurant Insurance from Prosura?

Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll meet your exact requirements.

Our high-quality, cost-effective restaurant insurance policies are built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.

Additionally, we give all our Restaurant Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

To secure the best insurance for your restaurant, contact the specialist brokers at Prosura today.

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