Restaurant Insurance

  • Liabilities including public and employers’
  • Stock including frozen foods can be included
  • Options include glass cover, fidelity cover and loss of license

As a restaurant owner, we know you’re busy enough without having to worry about insurance. So whether you run a small cafe or a larger restaurant operation, we can provide you with the advice and insurance cover you need, even if your business is unusual or complex.

Why Coversure for restaurant insurance?

Whatever your restaurant insurance needs are, Coversure can cater for them. We offer numerous packages to suit different food businesses, so we can tailor an insurance package to suit your individual requirements. Even if your business is more irregular, we can arrange a bespoke policy instead, from which you can choose from a ‘menu’ of covers.

So why not let Coversure quote you today.

Packages include the following:

  • Stock
  • Frozen food and deterioration of stock
  • Wines and spirits stock
  • Trade contents, fixtures and fittings
  • Business interruption and book debts
  • Public liability
  • Product liability
  • Employers’ liability
  • Goods in transit

Money Options available include:

  • Buildings
  • Shop front and glass cover
  • Business equipment
  • Loss of licence
  • Legal cover
  • Fidelity cover
  • All risks cover

FAQ’s

What is deterioration of stock cover?
In the catering industry, you may well have a large amount of food stock, so if your fridge or freezer breaks down or there is a power cut, a large amount of your stock could become unusable and therefore worthless. Deterioration of stock would cover you in this event. Some policies specify that the refrigeration equipment must be below a certain age for breakdown cover.

What is loss of licence cover?
Loss of licence cover is for licensed trades, such as pubs, hotels and cafes, etc. It covers the loss of profit and/or expenses incurred should your business lose its licence to sell alcohol. Some insurers will include this as standard on their products, and others may offer it as an optional extra with a choice of cover level at an additional cost.

What is fidelity cover?
Fidelity cover provides protection in the event you suffer a loss due to a theft or dishonest activity committed by one of your own staff.