Restaurant Insurance

Running a restaurant requires a first class service to put yourself at the top of your industry and become a first class restaurateur. Making the right choices in suppliers, staff and insurer is vital to making your business a success.

Restaurant Insurance can be invaluable when needed to restore your business’ future in the event of a loss. One of the most important aspects when choosing your insurer is whether they will be there for you when you need them the most.

Finding the balance between cost effectiveness and premises protection can be tricky—cutting cover can reduce insurance prices, but at what cost to your future? Purchasing the correct restaurant business insurance for you should provide you peace of mind and allow you to focus on making your business a great success.

The best restaurateurs surround themselves with suppliers they can rely on and your insurance broker should be no different. You should believe you have made the right insurance purchase, and that you have selected the right insurance broker. Terry Osborne Insurance Services Limited aims to service your policy to a high standard, talk through any queries or questions you may have relating to your insurance.  You can feel safe in our hands.

Call 01622 745297

Premiums from as little as

In the past 12 months our customers have paid as little as £545*** per annum for restaurant insurance.

70%**** of our restaurant customers paid less than £800 per annum in the past 12 months.

Example restaurant insurance policy cover

  • Buildings Cover (This should represent the re-building cost of the building and any additional cost to be considered in the event of a total loss, it is especially important to bear this in mind with listed buildings as you may incur unusual planning requirements or longer re-building time scales)

  • Tenants Improvements – Min of £5,000

  • Fixtures and Fittings

  • Domestic Contents – Personal Possessions not included

  • General Stock – (beer, alcopops, soft drinks and dry stock)

  • Wines and Spirits

  • Money Cover – Subject to Safe Details

  • Electronic Business Equipment

  • Business Interruption – Based on Turnover and Building Listing

  • Frozen Foods

  • Goods in Transit

  • Glass Cover – from £5,000 to Unlimited (Dependant on Insurer)

  • Loss of Licence

  • Public Liability Insurance – £2,000,000 (can be increased to £5,000,000 if required by the local authority for outside seating)

  • Employers Liability Insurance – £10,000,000 (Set Sum Insured)

  • Legal Expenses – Optional

Call 01622 745 297

Ask us for a free, no obligation quotation.