Why Is Restaurant Insurance So Important For Restaurant Owners?

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. As a restaurant owner you need to deal with a variety of risks and challenges on a daily basis. Having the right level of insurance in place can give you peace of mind and cover some of your unexpected costs that are sometimes unavoidable. Horner Blakey can help you find the right policy for your restaurant so you can focus on keeping your customers happy.

Horner Blakey

Insurance Brokers

What is restaurant insurance?

We are expert insurance brokers in London and can work to provide you with cover for your restaurant. Our second location in Billericay allows you to be supported by our local insurance brokers in Essex.

Restaurant insurance can provide much-needed cover for staff, customers and your business. Whether you own a restaurant, café, bistro or takeaway, it offers financial protection for when things go wrong. Running this type of outlet is full of surprises and unexpected events, be it a broken-down refrigerator, customer accidents or a break-in overnight. Restaurant insurance is designed to make it easier to cope with these types of incidents so you can continue to grow your business.

Chefs working in the restaurant

Do I need restaurant insurance?

If you own a restaurant or a similar business, it’s important to be prepared for any setback that can arrive out of the blue. Even when things appear to be running smoothly, you never know what’s waiting around the corner.

You need to consider the equipment, stock and furniture inside your restaurant and how likely it is to become damaged or even fall victim to theft. Accidents can happen too, whether it’s a customer slipping on a wet floor or making a complaint about food poisoning. And then there’s your staff, who you will need to have employer’s liability insurance in place for.

Horner Blakey can help you find the right level of protection to cover all of this and more, giving you comfort that if your business is disrupted, you have financial cover in place that can keep you going.

Before proceeding, always read the full details of your individual policy as terms and conditions will apply.

What does restaurant insurance cover?

The level of restaurant insurance you’ll need for your business depends on a variety of factors, which we can discuss with you in depth. Some examples of restaurant insurance include:

Business contents insurance

If you experience a break in, fire, floor or similar natural event this can provide cover for all your stock. Key equipment, furniture, fittings and more can also be included, if required.

Public liability insurance

Should a customer slip on the floor or claim to have fallen ill due to food you have served them, you could claim on your insurance to cover any legal costs or possible compensation.

Employer’s liability insurance

You will need to take this insurance if you employ staff who are not part of your immediate family. It provides cover if they fall ill or are injured while working for your business.

There are a number of other insurance options available, including building insurance and business interruption insurance, which the Horner Blakey team can discuss with you to see if it is the right option for your restaurant.

Is there insurance available for loss of licence?

If you sell alcohol in your restaurant and want to put protection in place to safeguard against losing your licence, Horner Blakey can help.

It is possible to take out Loss of Licence insurance which will cover your business against any losses you incur. This is an option we can review when looking around to find the most suitable policy for you.