If you have a restaurant or cafe or are involved in a business that supplies food then you need restaurant insurance.
It is important to make sure that you have the right cover at a reasonable premium.
Compare Restaurant Insurance Quotes
The best way to get a restaurant insurance quote is to speak to a local independent business insurance broker. Their job is to learn about your business and the issues you need to deal with and help you decide what insurance cover you need. They will usually offer a free, no obligation quotation.
Look for a local insurance broker that specialises in commercial insurance and offers a personal service. They will usually get you a number of restaurant insurance quotes from a range of reputable and financially sound insurance companies. They will then compare these for you and recommend the best policy, taking into account your requirements and the price.
Restaurant Insurance And Your Legal Requirements
Some types of insurance, such as employers liability are a legal requirement.
Other types of insurance may not be legally required but are essential to protect your business. An independent business insurance broker will be able to advise you accordingly and help you decide what you need.
The types of insurance you might consider for your restaurant include:
- Buildings Insurance
- Business Interruption Insurance
- Public Liability Insurance
- Employers Liability Insurance
- Products Liability Insurance
- Stock Insurance
- Frozen Food Insurance
- Equipment Insurance
- Money Insurance
- All Risks Insurance for laptops and other portable equipment away from the premises
- Goods In Transit Insurance
- Personal Accident Insurance
- Loss of Licence Insurance
- Business Motor Insurance
- Commercial Legal Expenses Insurance
- Directors and Officers Insurance
The cost of restaurant insurance depends on a number of factors, including your location, the value of your buildings and contents, the seating capacity and whether or not you have had any claims.
The cost may also be affected if you have an outside seating area or put on regular entertainment.