If you aren’t sure if you need insurance or not, then you are not alone. So many…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
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.
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.
Other things to consider
Businesses in hospitality are faced with hundreds of challenges on a daily basis. The right restaurant and cafe insurance coverage doesn’t only protect you when unfortunate situations arise. It can indirectly support your business on a daily basis.
- Insurance coverage satisfies your legal requirements
- Restaurant and cafe insurance plans will put employees at ease
- Restaurant and cafe insurance coverage create a professional image
- Without coverage, a single situation could spell the end for your company
- Hospitality businesses face big risks due to the volume of clients
- Having multiple coverage plans for different issue will cost more in the long run
- The convenience of a single plan saves time, money and your sanity
- Financial backers may not be prepared to support you without insurance
- Restaurant and cafe insurance is designed specifically for your industry
- Without coverage, you will live in a continual state of fear
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