Restaurant insurance
Join nearly a million customers (including over 1,800 restaurants like yours) – we offer public liability cover from £4.95*
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- Get tailored restaurant insurance Get tailored quotes in 7 minutes
10% of customers pay the equivalent of £4.95 a month*

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Rated 4.6/5
Based on 39.9K reviews

Claims paid in 24 hours
For 80% of settled claims
Why is restaurant insurance important?
You might have the cleanest of kitchens – and perfect tens from your last inspection – but accidents will happen. Unfortunately, slips and mistakes tend to come with the territory, but restaurant insurance is designed to protect the business you’ve built. From a customer injury to an employee dispute, wrap it all into one policy.
- restaurant liability insurance from public and product to employers’ liability
- peace of mind for you, your customers and employees
- £1 million public liability cover minimum
What does restaurant insurance cover?
We’ll start off with public and product liability insurance – a popular protection for the restaurant industry. It’s built to cover against someone getting injured or ill because of your business, or expensive claims for property damage. From there, you can add the covers that may suit your business, from employers’ liability to protection for expensive equipment and essential stock.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does restaurant insurance cost?
The cost depends on the type of restaurant premises you run, how many people you employ, and the services you offer. For example, serving hot food or cooking outside on a BBQ are things that insurers may look at when quoting a restaurant insurance cost. Find out how much you’ll pay by comparing prices for restaurant insurance from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.95 per month
Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.
Get tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example restaurant insurance quotes, real prices

£140.96 /month
£1,409.63 /year
A small, family-run licensed restaurant with live music once a week
- 2-3 years’ experience
- Limited company
- 2 employees
- Based in Swindon
Public liability
£2,000,000
Employers’ liability
£10,000,000
Stock
Not included

£141.26 /month
£1,412.61 /year
A medium-sized restaurant using a fryer (serviced every year)
- 5+ years’ experience
- Limited company
- 5 employees
- Based in Newcastle upon Tyne
Public liability
£2,000,000
Employers’ liability
£10,000,000
Stock
£15,000
How we work out example quotes: These examples are real quotes from our online system (created 01/10/2024). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
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Get your documents the same day

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How do I choose restaurant business insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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How do restaurant insurance claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£68 million in claims paid out in 2024
76% of claims were settled in 2024.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.
Example claim
Having restaurant business insurance through Simply Business has saved our customers thousands of pounds when the unexpected happened.
Mark saved more than £8,900
Mark (not his real name) was hit by a heavy injuries claim when his chef burned her hand while handling a pan full of hot oil. His employers’ liability insurance covered the cost of exposure to harmful substances.
Insurance payout
£8,901.00
Covering the cost of employers’ liability
Mark’s costs
£100
The excess amount stated in Mark’s policy terms
Chosen by nearly one million small business and landlord customers
We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.
Restaurant insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for restaurants. You can also check out our business insurance FAQs.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions