Bistro Insurance

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0845 365 1264

Quote Ref WS1

	Public & Employers liability at no extra cost		Business interruption cover as standard
	24 hour glass and locks replacement service.		£10 million employers liability & £5 million. Public liability as standard.
	Super quick claims service to get your business back up and running.		Bistro insurance prices start from £250.

Bistro Insurance

You may own a bistro or possibly even a chain of bistros. It is important to have insurance that caters specifically for your type of business; Standard property insurance is generally not adequate for licensed premises, cafes and bistros or indeed anyone in the catering or hospitality trades. Bistro insurance is the same as cafe insurance and restaurant insurance. There are four main types of cover to consider when insuring a bistro:-

Buildings Insurance
If you own the property this will be your responsibility however if you are leasing the property your landlord will normally have a commercial landlords insurance policy in place. When running a business that results in significant numbers of people visiting your premises the most important element of cover that a cafe insurance policy would provide is the public liability section. Public liability claims can run into hundreds of thousands of pounds.

In today’s society where lawsuits are now common place for everything imaginable, it is essential that you protect yourself and your business. Employer liability is another very important element of your policy and you have a legal obligation to ensure you have employer’s liability insurance.

Cafes, restaurants and bistros generally do not require very high levels of cover for stock however the fixtures and fittings can run into tens of thousands of pounds. Optional cover extensions can include cash on premises and cash in transit we feel this is a very worthwhile addition to any policy particularly if you have licensed premises where there is a late license or a nightclub. Club insurance often has much higher limits for cash than bistro insurance as some larger clubs takings exceed £100,000 per night.

As there are so many policies on the market, all offering similar protections, at various scales of premium, it can be difficult knowing which one to choose. Be sure to read the policy summary thoroughly and ensure that you are happy with the significant exclusions detailed. It is important to ensure that your cover will protect you from all eventualities that could occur to your own bistro. The right insurance will provide you, your employees, your customers, your premises and its contents with cover, leaving you with peace of mind.

UKinsurancenet can provide a wide range of business insurance and we have specialists with vast experience in the Hospitality, catering and licensed trades. We have provided coffee shop insurance as well as insurance for pubs, restaurants, takeaways and nightclubs.

Contact UKinsurancenet on 0845 365 1264 and speak to one of our highly experienced consultants who will be pleased to give you a quotation. Or use our online service for instant results