- Safe & Secure
- UK Based Specialists
- High Level of Standard Cover
Our Price Promise for Restaurant Insurance
At RightSure For Business, we know that running a restaurant is demanding. From managing staff and expensive kitchen equipment to keeping stock safe and ensuring customers are protected, the risks are constant. That’s why having the right insurance in place is critical.
Our Restaurant Insurance offers comprehensive protection against fire, flood, theft, accidental damage, business interruption, and liability claims, giving you confidence that your business can continue trading if the unexpected happens.
If you find a cheaper quote for an equivalent policy within two days of purchase and can provide written proof, you may cancel with us and receive a full refund, provided no claims have been made.
That’s our promise: competitive cover, guaranteed peace of mind.
What is restaurant insurance?
Restaurant Insurance provides protection for restaurateurs against unexpected claims, accidents, or damage that could affect their business. With the right policy in place, you can have peace of mind knowing your property, equipment, stock, staff, and customers are safeguarded.
As hospitality insurance specialists, we guide you through finding the right cover for your unique business needs. Securing comprehensive insurance doesn’t need to be stressful, we take care of the hard work, so you can focus on running your restaurant with confidence.
How can we help?
What does restaurant insurance include?
At RightSure For Business, we work with a panel of leading UK insurers to provide a policy to your restaurant’s needs. Depending on your business, your policy can include protection for:
- Public Liability – cover if customers or visitors are injured on your premises
- Products Liability – protection against claims arising from the food or drinks you serve
- Business Interruption – compensation for lost income due to unforeseen events such as fire or flood
- Glass Cover – protection for windows, mirrors, and display units
- Stock – including food, beverages, and high-value items like wines and spirits
- Goods in Transit – cover for stock while being delivered or moved
- Employers’ Liability – protection if a staff member is injured or becomes ill as a result of their work
We provide policies to your specific restaurant, ensuring you have the right cover for your property, equipment, staff, and customers.
What kind of insurance does a restaurant need?
No two restaurants are the same, and neither are their insurance needs. Whether you run a small café, a busy high-street restaurant, a bar, or a multi-location chain, we can help you find a policy that provides the right level of protection for your business.
RightSure For Business can help you find the right cover to protect your property, equipment, stock, and staff, while ensuring you’re safeguarded against risks like fire, flood, theft, accidental damage, and liability claims.
We can also provide support if your business forms part of a wider portfolio, or if you require additional cover types:
- Commercial Property Insurance – for business premises
- Business Property Insurance – protecting equipment, stock, and fixtures
- Public Liability Insurance – covering customers, visitors, and contractors
- Retail Insurance – if your restaurant operates a takeaway, shop, or merchandise section
Related products: Commercial Property Insurance, Public Liability Insurance, and Retail Insurance
What type of restaurants do we cover?
Over the years, we’ve provided insurance for a wide range of hospitality businesses, including restaurants, cafés, bars, pubs, and hotels.
How much insurance does a restaurant need?
Finding cheap restaurant insurance doesn’t mean cutting corners or sacrificing the protection your business requires. Every restaurant is unique, and your policy should reflect the specific risks your business faces.
Our Hospitality Insurance specialists will work with you to put together a comprehensive policy that provides the cover you need at a competitive price.
To help us provide an accurate quote quickly, it’s useful to have the following information ready:
- Number of Covers – how many diners your restaurant can accommodate
- Approximate Annual Turnover – your expected annual turnover
- Type of Alarm – details of the alarm system installed at the property
With these details, we can provide a policy that protects your property, staff, stock, and customers, giving you peace of mind that your restaurant is safeguarded against unexpected events.
Why Choose RightSure For Business
We’re specialists in providing business insurance and understand that each restaurant, café, or bar has unique risks and priorities.
With RightSure For Business, you’ll benefit from:
Cover that fits your premises, equipment, and operations
Access to a panel of trusted UK insurers
Competitive pricing backed by our Money-Back Guarantee
Quick, straightforward online quotes
UK-based support when you need guidance
Get your restaurant insurance online or call us FREE on 0800 515 381 today to speak with one of our Restaurant Insurance Specialists.
Frequently Asked Questions
Restaurant Insurance is a specialist commercial policy designed to protect restaurants, cafés, bars, and other hospitality businesses against the wide range of risks they face, from customer injuries and food-related claims, to kitchen fires, equipment breakdown, and business interruption.
Because restaurants involve the public, food preparation, alcohol, high-value equipment, and employed staff all at once, the risk exposure is considerably higher than most other business types.
The right policy brings together the protections you need into a single, tailored package.
The only insurance that is legally mandatory for UK restaurants is Employers’ Liability Insurance.
Under the Employers’ Liability (Compulsory Insurance) Act 1969, if you employ anyone, including part-time, seasonal, or casual staff, you must hold a minimum of £5 million of cover and display your certificate at your premises.
Failure to comply can result in fines of up to £2,500 per day per uninsured employee.
While not a legal requirement, Public Liability Insurance is strongly recommended for any business that serves the public, and most commercial landlords will require it as a condition of your lease.
A comprehensive restaurant policy can include public liability (covering customer injury or property damage claims), product liability (covering claims arising from food or drink you serve, including allergic reactions or food poisoning), employers’ liability (a legal requirement if you have staff), buildings and contents cover, stock insurance (including perishables), business interruption insurance, glass cover, and goods in transit cover for deliveries.
RightSure For Business works with a panel of specialist UK insurers to build a policy tailored to your restaurant’s specific setup, staff, and risk profile.
Yes. This type of protection falls under Product Liability Insurance, which is a key component of a comprehensive restaurant policy. If a customer suffers an allergic reaction, food poisoning, or illness as a result of food or drink served at your restaurant, product liability cover can protect you against compensation claims and associated legal costs.
Given the increasing awareness of food allergens in the UK and the legal obligations around allergen labelling, product liability is one of the most important covers for any food business, regardless of size.
Equipment breakdown cover can be included in a restaurant policy, protecting you against the cost of repairing or replacing essential kitchen equipment, such as ovens, refrigerators, freezers, and extraction systems, if they fail unexpectedly.
For restaurants, kitchen equipment failure is not just an inconvenience; it can force a temporary closure and result in significant stock loss from spoiled perishables.
Ensuring your policy includes adequate equipment and stock cover is an important part of protecting your business continuity.
Business Interruption Insurance compensates your restaurant for lost income if you’re forced to temporarily close following an insured event, such as a kitchen fire, serious flood, or significant equipment failure.
It covers not just lost revenue but also ongoing fixed costs such as rent, utilities, and staff wages that continue even when the doors are shut.
For restaurants, where margins can be tight and overheads are fixed, even a short closure can be financially devastating.
Business interruption cover is one of the most valuable, and sometimes most overlooked, elements of a restaurant insurance policy.
Not always automatically as this depends on the specific policy.
If your restaurant offers takeaway, delivery, or outside catering services, it’s important to ensure your policy explicitly covers these activities.
Delivery operations introduce additional risks (goods in transit, delivery driver liability, off-premises incidents) that may not be included in a standard restaurant policy.
When you get a quote through RightSure For Business, tell us about all aspects of your operation so we can ensure your policy covers every part of your business, including delivery and takeaway.
Restaurant insurance costs vary significantly depending on your type of establishment, size, location, number of staff, turnover, and level of cover.
Having good security, fire suppression systems, and food hygiene ratings in place can help reduce your premiums.
The best way to find competitive cover is to work with a specialist who can compare quotes across multiple insurers, which is what RightSure For Business does, backed by our Price Promise.
Yes. RightSure For Business provides specialist insurance across the full range of hospitality businesses, including restaurants, cafés, bars, pubs, and hotels.
Each type of venue has its own specific risks, a café has different needs to a late-night bar, and a pub with a kitchen faces different exposures to a fine-dining restaurant.
Our panel of trusted UK insurers allows us to arrange cover to your specific type of hospitality business, rather than applying a generic policy that may not properly reflect the risks you actually face.
How can we help?
