Restaurant Insurance

Restaurant Insurance from Horner Blakey Insurance Brokers offers restaurants a full ‘menu’ of flexible options so you can choose the level of cover for your Restaurant Insurance that best suits you.

Horner Blakey Insurance Brokers have several specialist policies for specific types of restaurants where enhanced discounts are available but regardless whether your Restaurant business fits into these or not we have a full panel of Insurers that ensure you get the most competitive, cheap Restaurant Insurance Quote.

Our specialist policies include:

European Restaurant Insurance

Oriental Restaurant Insurance

Seafood Restaurant Insurance

Middle Eastern Restaurant Insurance

British Restaurant Insurance

Standard Restaurant Insurance Covers include:

General Contents Insurance
Restaurant Stock
Tenants improvements
Restaurant Employers Liability Insurance
Restaurant Public Liability Insurance
Restaurant Products Liability Insurance
Restaurant Business Interruption Insurance Loss of Money Insurance

Additional Covers available:

Buildings insurance
Subsidence cover
Accidental Damage
Loss of Liquor License
Legal Expenses Insurance
Fidelity Insurance
Goods in transit Insurance
Failure of electricity water and gas
Guests personal effects
Computer equipment Insurance
Glass frontage /Signage
Terrorism Insurance
Deterioration of stock / frozen food


Restaurant General Contents Insurance: This should be the replacement cost of all your contents and fixtures and fittings that you have in the restaurant i.e: if you moved tomorrow and everything went in the removal van what would the value be to replace everything in the van? Cover is for Fire & full perils including Theft

Restaurant Stock: For insurance purposes should be insured at cost price

Restaurant Tenants Improvements: Insurance cover for your improvements to the restaurant building, i.e. fitted bar, extraction system and other fitted restaurant kitchen items. Most Insurers will include these within the fixtures and fittings of the contents insurance, but these rates are cheaper if Insured under this section of a restaurant insurance policy.

Restaurant Employers Liability Insurance: Covers all the employees in your restaurant whether full or part time should they injure themselves whilst working for you at the Restaurant.

Restaurant Public Liability Insurance: If you invite the public into your Restaurant premises, by doing so you have a legal obligation to ensure that your premises is a safe place, should an injury occur to a third party on your premises Restaurant public liability Insurance will indemnify you.

Restaurant Products Liability Insurance: This protects you for goods or services supplied i.e. food poisoning

Restaurant Business Interruption Insurance: You should fully insure your loss of gross profit for 12 months, so that in the event of a serious loss at your Restaurant you will have time to get back on your feet. Your Restaurant Insurers will then pay any shortfall in your gross profit, a year after the incident date. Insurers will also pay reasonable increased working costs.

Beware that some Restaurant Insurance policies only cover increased cost of working- ie just the increase in cost you incur, if you are shut for 2 months who will pay all your normal bills??

Restaurant Business Interruption Insurance is probably the most important area of cover for Restaurants and failure to get this area correctly covered sees more Restaurant businesses fail than any other, if you want to be cautious extend the indemnity period to 18 months or 2 years

Loss of Money Insurance for Restaurants
Money insurance is on an all risks basis and covers cash, cheques and certain other negotiable documents. Loss of money Insurance will provide cover for differing limits on the premises during and after business hours, in transit to the bank, in safes at the homes of directors and employees.

Personal assault Insurance cover is usually included to compensate you or any employee injured during a theft or attempted theft

Restaurant Buildings insurance: Covers the property and should be the reinstatement value of the property not it’s sale value.

Subsidence cover applies to the building and covers subsidence ground heave or landslip of the building

Restaurant Accidental Damage Insurance: Also known as contents all risks; and gives wider cover including accidental damage or cover not specifically excluded, however this does not include wear tear, gradual deterioration or electrical or mechanical breakdown.

Restaurant Loss of Licence Insurance: Provides protection for the Restaurant against losing your Liquor licence

Restaurant Legal Expenses Insurance: Provides legal expenses cover for the Restaurant, including a legal helpline

Restaurant Fidelity Insurance: Covers fraud or dishonesty by employees

Restaurant Goods in transit Insurance: Provides cover for goods damaged or lost whilst in transit to and from the Restaurant

Failure of electricity water and gas; This extension to your Restaurant Business Interruption Insurance is very pertinent for restaurants and covers you if the Restaurant has to shut if you have no electricity, gas or water.

Guests personal effects: Insurance for Guests effects lost or damaged at your Restaurant premises.

Restaurant Computer equipment Insurance: Smaller computers are covered within the contents insurance but over a certain level this should be covered separately and will include computerised tills and computer equipment and usually the insurance also covers a sum for reinstatement of data.

Glass frontage /Signage : You may be responsible under your lease, for your Restaurant front window. This insurance covers damage to the window or signage

Restaurant Terrorism insurance: Cover purchased separately from the governments Insurers – Pool Re

Deterioration of stock / frozen food: Provides insurance cover if goods are lost/damaged as a result of a breakdown to the freezer of chiller.


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