Years of hard work and preparation go into running your own restaurant. However, even the most meticulously applied health and safety procedures cannot prevent accidents from happening every now and again. That’s why it is so important to have restaurant insurance.
Managing a restaurant can be a stressful job on a day-to-day basis, even before you take into consideration worries regarding the things that can and do happen. This is why finding the right insurance is so important. Restaurant insurance will not only ensure that your eatery is a legally sound and responsible business covered for any eventuality, it enables you to concentrate and focus your time and energy on the running of your business.
Imagine for instance that there is a kitchen fire in your restaurant. Without appropriate cover, it could be easy to find yourself in a situation where you have to fund the repair work yourself, however with the appropriate cover you would not have this extra burden. Likewise, if a customer or employee suffers an injury or food poisoning on your premises, having comprehensive cover would ensure that you aren’t liable to pay any possible legal fees and any fines or charges.
Insurance Policies for Restaurants
So what does restaurant insurance cover? Given the nature of the business there are sure to be a number of areas you wish to be covered for. We’ll help you tailor your policy to the needs of the business, but here is a basic idea of what the insurance can include:
- Buildings and/or tenants improvements (depending on whether you own or rent your restaurant premises)
- Consumer goods and stock
- Refrigerated stock
- Employers liability
- Product liability
- Public liability
- Revenue protection/interrupted business
- Loss of licence
- Fixtures, fittings and general contents
- External signs and blinds
- Legal expenses
Whether you run a café, fine dining bistro or a fast food restaurant, there is suitable cover available. Our team are always happy to talk through a range of options with you to find a policy that not only gives you adequate cover but will fit within your budget.