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Insuring businesses and landlords for over a decade
Satisfaction score of 9/10
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Tailored insurance for your restaurant
Restaurants can be high-risk, both for customers and employees. Even the most stringent health and safety measures can’t prevent the occasional accident – that’s the nature of working with food. Having solid insurance in place lets you get on with what’s important, without the worry. After all, you have enough on your plate without worrying about slips and spills. Use our simple form to build a restaurant insurance policy that’s tailored to you.
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What insurance do I need for a restaurant?
Public liability insurance is often a very important cover for restaurants, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.
If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
The average insurance claim for a restaurant is £6,003 – could you afford this if the worst happened? (Average claim being £6,003. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)
Restaurant cover details
It’s very important to make sure you understand what you need from your restaurant insurance. Use the check points below to get you thinking.
- Check the policy documents before you buy for exclusions and excesses
- Do you need buildings insurance? If you rent your premises, your landlord may take care of this already
- Make sure you know the difference between contents insurance and fixtures and fittings cover – these insure different types of items
- Insure your stock at the cost price, not the retail price
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Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist.
Read our reviews“It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.”
– R Matthews, Handyman
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© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.