Restaurants

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.

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.