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Restaurant Insurance
Restaurant business insurance quotes
Compare insurance quotes for your restaurant business
Protect your business against claims made by clients or employees
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business, like restaurants
Get tailored cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
restaurant insurance?
Any customer-facing business comes with risk, especially when preparing and serving food and drinks in a busy restaurant. Imagine if a kitchen fire broke out or an employee burned a customer by spilling hot food down them – there are endless possibilities in a restaurant.
That’s why it’s best to have your business covered should the worst ever happen.
Insurance cover for restaurants helps provide a financial safety net, protects against unforeseen events and provides peace of mind so you can focus on what’s most important — running your restaurant business.
Why is restaurant insurance important to have?
The nature of running a small restaurant business comes with lots of risks for you and your customers. For example:
- Food poisoning from the food you’ve provided
- Accidental fires caused by fryers
- Slips on greasy or wet floors, causing injury
Not only do you need cover to protect your staff, but also your customers, your premises and your bank account as you could face hefty legal fees should the worst happen. Without sufficient cover, you could end up paying out of your own pocket if someone makes a claim against your business.
What type of insurance cover do restaurants need?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Product liability insurance
Covers you if a food or beverage item you sell causes illness and a claim is made against you.
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Building Insurance
Protects your building from property damage, including fires, storms, floods, arsonists and vandalism.
Stock and contents insurance
Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events
Tenant’s improvements
For leased buildings, if you’ve invested in improving your interiors. Your landlord is only responsible for the building
Business interruption insurance
Covers lost income if you have to close due to a covered event, like a fire or flood.
What does restaurant insurance NOT cover?
This really depends on the insurance covers you take out, but even if you have sufficient coverage, not all events may not be covered, including:
- Deliberate acts that lead to illness or injury
- Deliberate acts that lead to fire or theft
Always refer to your policy wording to see what’s included and excluded.
How much does restaurant insurance cover cost?
Your costs will vary depending on the size of your business, where it’s located, the type of coverage you take out and your previous claims history. Get in touch with a member of our insurance team to find out how much you’re looking at paying for an annual restaurant insurance policy.
Restaurant insurance is a tailored safety net for those in the hospitality business which can cover kitchen accidents to customer liability claims, alongside cover for your premises, its contents and your stock.
Insurance Director, James Barwell
When would restaurant insurance help cover you?
With cover in place, your business could be protected from claims made in many situations, for example:
- An employee slips and burns their hand on a hob
- A waiter spills scalding soup on a customer, causing an injury
- A customer with a peanut allergy suffers a reaction to food they were told was safe to consume
- Your restaurant suffers a flood, and you can’t operate
As every insurer is different, always refer to your policy wording for details of what’s included.
Get Restaurant Insurance sorted with Bionic
At Bionic, we champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help you find coverage for your needs.
Our UK-based team helps business owners daily to carry out a business insurance comparison to find the right insurer that fits. Get in touch with us today by starting a quote online.
The renewal process at Bionic is great! You guys know the right people to approach and how to get the best price and cover for our business.
Dan Lindsay, Taquero, Nottingham
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Restaurant Insurance FAQs
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