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Restaurant and Cafe Insurance


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Restaurant and Cafe Insurance


Making sure you have the most appropriate restaurant and cafe insurance that gives you all the protection your business needs can be complicated. At UKinsuranceNET, we pride ourselves on offering comprehensive, cost-effective cover for businesses in the leisure and hospitality industry.

Why do you need restaurant and cafe insurance?

The insurance needs of a restaurant or cafe owner are quite unlike that of some others within the hospitality and leisure industry. You need to consider additional risks over and above the standard business risks of damage to the property due to fire and flood etc. and think about the risks associated with serving food, alcohol, enjoying a heavy footfall and having a fully functioning kitchen (i.e. potential fire risk) onsite.

Restaurant and cafe insurance can typically cover a whole range of risks including some or all of the following:

  • commercial property insurance to cover the building (if you own it) against fire, flood and damage;

  • insurance for loss, theft or damage to the contents (e.g. the kitchen equipment, tables, chair, bar area etc.);

  • cover for the stock (which may be especially necessary if you serve a range of wines and liqueurs) potentially to include deterioration of stock;

  • employers’ liability cover;

  • cover for any beer garden and play area;

  • public liability insurance (including cover for food poisoning);

  • theft of money onsite and in transit;

  • cover for business interruption.

The above are just an example of the elements of cover that may be typically available with restaurant and cafe insurance cover. If you require clarification on any of the above, then please feel free to get in touch.

What you need to know when buying restaurant and cafe insurance cover

Getting the most appropriate licensed restaurant or cafe insurance for your business is imperative to ensure that all potential risks and hazards are covered. When buying your cover, therefore, you may wish to consider the following:

  • are seasonal fluctuations in stock and staff included? At busy times, such as Christmas or summer holidays, you may require more cover for additional stock, as well as cover for extra staff;

  • if you live in or above the restaurant/cafe, are you able to include cover for your own personal possessions;

  • if you have a glass frontage front, is cover for the glass included?

  • what are the policy exclusions? For example, you may be legally obliged to have your kitchen cooker checked on a regular basis as stipulated within your cover. If you fail to do this and you need to make a claim, it could be rejected if you haven’t stuck to the terms of your cover;

  • is commercial legal expenses included in your cover to protect against disputes relating to tax and VAT etc.?

Why choose us?

Anyone running a catering business, whether a small restaurant offering 20 covers, or a large one that can seat over 100 people at a time, needs to feel confident that they have the most appropriate restaurant and cafe insurance in place.

At UKinsuranceNET you can rest assured that you are in safe hands. We have many years’ experience within the insurance industry and can offer tailored solutions at what we believe are very affordable rates.


So, why not get a quote now online, or give us a call to see how we can help?