Looking for Restaurant insurance, we’ll do all the hard work for you.
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Running a restaurant is no easy feat. With so many elements to consider when keeping your business afloat, having the right insurance will cross at least give you peace of mind that you’re protected if the unexpected occurs.
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From bistros to tearooms, the hustle and bustle of cafés present a unique set of challenges. Mistakes and accidents happen – so if you’re running a café business, you’ll want to protect yourself, your staff, and your customers against any unplanned costs. Restaurant insurance could give you the cover you need.
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What insurance do I need for a pub and restaurant?
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Restaurant insurance, is a form of business insurance intended to protect all kinds of licensed establishments, such as restaurants, bars, and late-night bars.
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Do I need professional indemnity insurance for a restaurant or Pub?
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As a pub/restaurant owner, you may not necessarily need professional indemnity insurance, as this type of insurance usually covers businesses that provide professional advice or services.
However, if you provide services such as event planning or catering, you should consider professional indemnity insurance to protect your business against claims of negligence or errors in your services.
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What coverage should I get for a pub and restaurant?
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Uusually, restaurant/pub cover includes the following:
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Employers’ & public liability insurance to support you if a customer or member of the public is injured or their property is damaged.
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Buildings and contents insurance to protect the physical property of your business, including the building itself, as well as any equipment, fixtures and fittings, and stock you have.
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Business interruption insurance to help keep your business afloat if it has to close temporarily due to unforeseen circumstances, such as a fire or flood. Essentially, if any unexpected events (within reason) cause you to lose income as a result of having to close, this policy will help you bounce back.​​
Is Restaurant Insurance compulsory?
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Liability insurance is one of the most important types of coverage that pubs and restaurants need. It protects your business from expensive legal claims if a customer or member of the public is injured, or their property is damaged.
Public liability insurance is not a legal requirement like employer liability cover, which is why many people get confused between the two policies.
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Even if you take every precaution to ensure the safety of your customers, accidents can still happen, so it`s highly recommend that businesses working with the public have this cover.
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Does public liability insurance cover food poisoning?
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We know it’s not generally the first ailment that comes to mind when the average person thinks of the word ‘injury’.
However, in business insurance policies for pubs and restaurants, food poisoning is classed as an injury and will be covered if your policy includes products liability.
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