How much is insurance for a restaurant?
The cost of restaurant insurance depends on your restaurant size, location, number of employees, the type of food you serve, your opening hours and your claims history. Premiums are generally higher for venues with late-night trading, deep fat frying or alcohol service. A specialist broker can help you find the right level of cover at a competitive price.
What insurance do restaurants need?
Restaurants typically need public liability, employers liability, stock and contents cover, buildings insurance if they own the premises, business interruption cover, and protection for kitchen equipment. Many restaurants also add product liability, money cover, legal expenses and cyber insurance to protect against card payment risks and online bookings.
How much does small restaurant insurance cost?
Small restaurant insurance usually costs less than policies for larger venues, as premiums are based on turnover, risk level and the size of your operations. A small café, bistro or takeaway with limited seating and lower risk cooking methods will generally pay lower premiums. Costs increase if you have high-value equipment, extended trading hours or specialist cooking processes.
Does restaurant insurance cover food poisoning claims?
Yes. Most restaurant insurance policies include product liability, which covers claims arising from food poisoning or allergic reactions linked to the food you serve. This cover helps protect your business from legal fees, compensation payments and reputational damage.
Does restaurant insurance include cover for equipment breakdown?
Some restaurant insurance policies include equipment breakdown cover, but it is not always standard. This type of cover protects you if essential items such as fridges, freezers, ovens or extraction systems fail. Many restaurants choose to add it to avoid costly downtime and protect their stock.
