FCA Authorised & Regulated

FCA Authorised & Regulated

Specialist Cover Quoted within 24 hours

Specialist Cover Quoted within 24 hours

Dedicated UK Insurance Specialists

Dedicated UK Insurance Specialists

50,000 + Active Policyholders

50,000 + Active Policyholders

Why choose Livingstones for your Restaurant & Cafe Insurance

Why do I need Restaurant & Cafe Insurance

To protect your business against claims
In an era where a growing number of people actively look for excuses to make a claim, restaurant and cafe insurance policies offer the protection you need against all related issues. Moreover, it will deliver the peace of mind you require.
To protect yourself against unforeseeable circumstances
From adverse weather to quarantines or kitchen fires, your business could suffer downtime for many reasons. A comprehensive restaurant and cafe insurance policy helps you overcome the immediate problems and reopen your doors far sooner.
To protect your workers
In addition to protecting the business, restaurant and cafe insurance policies cover your employees against visitor claims and other industry-specific risks. This subsequently removes distractions and allows them to stay productive and focused on diners.

FAQ Section

Everything else you need to know about restaurant & cafe insurance coverage.
It isn’t compulsory for hospitality companies to take out this type of insurance coverage. However, some elements ranging like liability insurance and buildings insurance are a legal requirement. A dedicated plan consolidates all elements into one.
Absolutely, many business restaurant owners manage several venues either in their city or further afield. Restaurant and cafe insurance premiums can cover a single location or your entire chain of eateries. It’s up to you.
The exact level of coverage required for your business will depend on a range of factors, including the size, location, and number of employees. However, as a UK business with employees, a £5m liability insurance is the minimum.
If your business is forced to temporarily close due to a fire or any other situation, business interruption protects your profit gains during this recovery period. In turn, this prevents any threat of financial loss while fixing the situation.
As the owner of a busy restaurant or cafe, your venue may hold large sums of cash at times. A comprehensive hospitality insurance plan for restaurants and cafes will extend its cover to funds held on site during business hours or overnight in safes.
When you need insurance coverage, it’s likely that there will be a need for speed. Livingstones’ experts can secure valid quotes and complete your application today, with coverage plans starting as early as tomorrow.

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