Restaurant Insurance,Restaurant Liability Insurance,UK

Restaurant Insurance

- Serving Up The Best Protection!

cheap restaurant insurance quote

Public liability insurance; Without doubt, the most important component of our restaurant insurance policy. If a customer get's injured at your premises, by slipping up on a wet floor for example or suffers illness due to undercooked food - public liability insurance will cover the legal costs and any compensation payments on behalf of your restaurant.

Employers liability insurance; Its more than likely that you employ staff to help you run your restaurant. As an 'employer' you have a legal responsibility for the health and safety of your staff at work and by UK law must carry a minimum £5 million employers liability insurance. If an employee gets injured or falls ill at work, by working in an unhealthy environment or lifting heavy equipment for example - employers liability insurance will cover the legal costs and any compensation payments on behalf of your restaurant.

Buildings Cover; If you've invested part of your life savings to buy a building as opposed to leasing it, you'll want to protect it from damages, fire, subsidence etc...just like you do your home. Buildings cover ensures your investment doesn't disappear in a puff of smoke if unexpected incidents happen to your property.

Contents; You've probably purchased lots of furniture and fittings to help deliver a perfect dining experience. Contents cover will help meet the replacement cost of these items if they are damaged by fire, flooding etc.

Stock; Running a restaurant means you'll be carrying lots of food and beverages in stock. If they are destroyed or stolen stock cover will meet the replacement costs.

Loss of Money; Perhaps more than most, your businesses will keep a lot of cash and cheque's on site. Loss of money cover will compensate you if a thieve or employee steals money from your till.

With so much at risk it makes perfect sense to serve your business with the very best restaurant insurance cover. You can get online quotes and cover by clicking here. If you need help or advice, our friendly restaurant insurance advisors are on hand to answer your queries monday - friday 9.00am-5.30pm or email us at info@companyinsurance.co.uk.

RESTAURANT INSURANCE: How Many (Insurance) Covers Do You Need To Stay In Business?

What’s on the menu for today? Restaurant insurance? It may not sound too appetizing but without it you could find your goose well and truly cooked. Alright, enough of the puns, but there’s a serious point here.

Running a restaurant can be a risky business. However careful you are, there’s always a possibility of food poisoning and that could lead to an expensive claim against you. Even if it wasn’t your fault (maybe the customer had simply had too much to drink) you could still be landed with a hefty lawyer’s bill just to prove the point.

But with public liability included in your restaurant insurance, you’ll be covered for both legal expenses and the cost of any compensation award.

Kitchens are notorious fire hazards. As are burning candles. Even if brought under control quickly, fires can cause significant (and expensive to repair) damage to furniture, fittings and décor. So you want to think about contents insurance too.

And what about the value of the food in your freezers and refrigerators? If equipment failure or a sustained power cut ruined it all, how would your budget stand up to the cost of replacing it? Or suppose a break-in left your wine cellar somewhat short of the pricier vintages? When you’re thinking about insurance for restaurants, you can’t afford to ignore your stock.

Even though more of us are making more ‘plastic’ transactions these days, plenty of people still prefer to pay with cash when they’re out. Bearing in mind that you can’t keep your eye on everything and everybody all the time, having a lot of cash on the premises - even for a short time - is an obvious risk. So you might well want to have loss-of-money cover built into your restaurant insurance.

And don’t forget that all employers are required by law to have employers’ liability insurance. Even if your staff are only casual or part-time.

Yes, there’s a lot to think about. And yes, running a restaurant can be risky. But, as you know, it can also be a richly rewarding experience. Make sure you keep it that way. Don’t let any accidents or mishaps close you down. Just follow the link to find out more about insurance for restaurants