Restaurant Insurance | Restaurant Insurance Quote | Coversure

We're here to help


Independent service from your local insurance specialists

Need a restaurant insurance quote?  Let the independent specialists at your local Coversure compare their markets to find you quality restaurant insurance protection. Your local Coversure office offers a simple solution to your complex needs, so start your quote today.


Service comes first at Coversure, and as the following feefo testimonials show, we’re the team you can trust with your business

Average Customer Rating:

Independent service rating based on 1156 reviews

What Is Restaurant Insurance?

Restaurant insurance is a flexible policy that gives restaurants of all kinds the protection they need. Being open to the public, cooking, frying, handling cash, and often having staff means restaurants face various risks. With restaurant insurance through Coversure, you can get tailor-made, quality protection against common problems, such as:
  • A member of the public being injured while in your establishment
  • Damage or theft of your business’s property or its equipment
  • Sickness or injury to your staff resulting from your organisation’s activities
  • Loss of stock
  • Contents, fixtures, and fittings cover

Who Needs Restuarant Insurance?

Restaurant insurance can protect a wide range of eateries, including:

  • Gastro pubs
  • Pop-up restaurants
  • Fine dining establishments
  • Restaurants that fry their food
  • Establishments that use woks or flash fry

That’s to name but a few.  If you’d like some advice or a restaurant insurance quote built around your business, please get in touch with your local Coversure.  They’ll be happy to give you the help you need to keep your business safe.

What can Restaurant Insurance cover?

Restaurant insurance offers a package of protection that allows you to cover multiple risks on a single policy*.  Your local Coversure office can provide a policy to suit your business’s needs and ensure you have all the ingredients you need without paying for those you don’t.  A typical policy might include:

Business contents

If a fire, flood, or other disaster hits your premises, the costs of repairing or replacing bar, kitchen equipment, and front-of-house facilities can be high.  If you have business contents cover in place, then you’ll be able to claim in the event of an accidental catastrophe

Loss of licence

Should you lose your licence to sell alcohol, this policy element could help reimburse you for loss of revenue and product value, so long as the loss wasn’t due to misconduct

Business Interruption

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Commercial buildings cover

Do you own the building in which your business operates?  If so, you’ll need commercial buildings insurance to protect your bricks and mortar. Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or explosion.

Stock Cover

If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between.  Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be

Product liability

Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

Employers’ liability

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

What Are The Benefits Of Restaurant Insurance?

As well as being able to protect your business from many risks, restaurant cover offers the following additional benefits:

  • Save time – by putting various pieces of cover together in one policy means you only have one policy to manage, one renewal date to remember, and one broker to deal with in the event of a claim
  • Save money – as you’re effectively buying insurance in bulk, you can save money versus taking out several separate covers
  • Flexibility – do you need to make a change to your business? With restaurant  insurance, you’ll only have one policy to manage

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Restaurant cover for you.

Restaurant Insurance FAQ

Restaurant insurance can be a complex area of cover, so to help you get the protection you need, here is Coversure’s restaurant insurance frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure office.

It’s available to all forms of restaurants, from fine dining establishments to gastro pubs and cafés

No, but if you have employees, you will need employers’ liability insurance.

That will depend on things such as the size of your business, where it is, whether you have any staff, and how you prepare your food

Yes, you can only get cover for registered companies that can supply their Employer Reference Number (ERN) when requesting a quote, so you must be registered with HMRC

Yes.  It can cover these items against loss or theft.  It can also protect expensive items such as cooking equipment, fixtures, and crockery

If you lose your license owing to complaints from locals about noisy customers or some other reason that wasn’t your fault, loss of licence cover would help cover the shortfall while you get your licence back.  If you lost your licence as you breached opening hours or served underage drinkers, then you wouldn’t be covered as that’s an illegal act

Yes, there are a couple you may wish to consider:

  • Legal expenses cover – if a claim is made against you, this can help with legal bills like solicitors’ fees. Some providers also offer expert advice on a range of legal matters, from employment law to health and safety
  • Money cover – this can protect any cash you keep in the till or locked in a safe on the premises. It’ll usually also cover money in transit, for example, if you take the day’s takings home or to the bank after cashing up

Getting a quote is easy; contact your local Coversure office or start your quote today.

Need a Restaurant Insurance quote?

If you’d like a Restaurant Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Commercial Combined


* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

We're here to help