Restaurant Insurance

Owning and operating a restaurant is something that brings with it its own unique set of challenges. Even with every precaution taken and every health and safety guideline followed, a restaurant is still a risk-filled environment for both its customers and its employees. The occasional accident is an inevitable occurrence, which is why having appropriate restaurant insurance is so important.

The likelihood of a customer or staff member getting injured at some point demands that you obtain restaurant insurance. The legal fees and compensation claim amounts associated with liability claims means that failing to do so puts your business at tremendous financial risk.

The Extensive Cover that Your Restaurant Requires

Restaurant insurance is essentially a hybrid of several types of insurance:

• Employer’s liability insurance – to cover any damages, legal costs and expenses, should an employee get injured.
• Public liability insurance – to cover any damages, legal costs and expenses in the event of a customer getting injured or their property getting stolen/damaged.
• Business contents insurance – to cover against the theft/damage of your business’ contents.
• Product liability insurance – to cover any damages, legal costs and expenses in the event of customer illness/death because of food/drink served on your premises.
• Loss of income insurance – to cover any loss of income that occurs whilst waiting for an insurance payout.