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What does restaurant insurance cover?
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 someone suffers an injury as a result of your work or something gets accidentally damaged when you’re working.
Employers liability insurance
If you have one or more employees, you must have this insurance by law.
Stock and contents insurance
Provides cover for stock, including food & drink supplies, against theft or damage by fire or other insured events.
Product liability insurance
Covers you if a food or beverage item you sell causes illness and a claim is made against you.
Building Insurance
Protects your building from property damage, including fires, storms, floods, arsonists and vandalism.
Business interruption insurance
Provides compensation if material damage stops your business from running normally, for example fire or flood.
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