Restaurant insurance

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  • Get tailored restaurant insurance Get tailored quotes in 7 minutes
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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.


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

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Example restaurant insurance quotes, real prices

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How it works

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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

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


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

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.

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.