Restaurant Insurance
Comprehensive Restaurant Insurance Cover for Food Based Businesses
Running a restaurant, café, or fine dining establishment comes with unique risks, from customer injuries and food-related claims to fire hazards and business interruptions. Without the right insurance, a single incident could result in financial losses, legal disputes, or even business closure.
ABA Insurance provides specialist Restaurant Insurance, offering tailored protection for restaurants, bistros, cafés, and fine dining establishments. Our policies cover liability claims, stock, equipment, staff, and business interruptions, ensuring your business remains protected and operational.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Restaurant Insurance?
Restaurant Insurance is a comprehensive business insurance policy designed to protect food establishments from financial losses, liability claims, and property damage. It combines multiple types of cover into one policy, making it easier to manage and ensuring full protection.
This insurance is essential for:
- Restaurants and bistros
- Cafés and coffee shops
- Fine dining and gourmet establishments
- Fast-casual dining and franchises
- Pubs and gastropubs
Without the right cover, restaurant owners may struggle with legal disputes, stock losses, and costly equipment repairs.
Why Do You Need Restaurant Insurance?
Protection Against Customer Claims
If a customer suffers food poisoning, burns, or an allergic reaction, they may file a claim. This insurance covers legal fees, medical costs, and compensation payouts.
Cover for Fire, Theft, and Equipment Damage
Restaurants rely on expensive cooking equipment, refrigerators, and POS systems. If they are damaged in a fire, stolen, or broken, insurance ensures fast replacements to minimise downtime.
Public and Employers’ Liability Cover
If a customer slips on a wet floor or is injured by hot food, they may take legal action. Public liability insurance covers legal defence costs and compensation claims.
For businesses with staff, employers’ liability insurance is legally required, covering injury or illness claims from employees.
Business Interruption Cover for Unexpected Closures
If your restaurant is forced to close due to fire, flood, or equipment failure, business interruption insurance helps recover lost revenue and ongoing expenses.
Protection for Stock and Ingredients
Perishable goods such as meat, seafood, dairy, and fresh produce can spoil due to equipment failure or power cuts. Stock insurance helps recover financial losses.
Compliance with Food Industry Regulations
Many landlords and suppliers require proof of insurance before leasing premises or signing supply contracts. This policy ensures compliance with legal and industry standards.
What Does Restaurant Insurance Cover?
- Public liability insurance for customer injuries and food-related claims
- Employers’ liability insurance for staff injury and illness claims
- Stock insurance to protect ingredients from spoilage, fire, and theft
- Property insurance for restaurant premises, fixtures, and kitchen equipment
- Business interruption insurance to cover lost income from closures
- Equipment breakdown cover for ovens, refrigerators, and POS systems
- Product liability insurance for food contamination or allergic reaction claims
- Legal expenses insurance for contract disputes and employment claims
Get The Right Business Insurance
How To Get The Right Restaurant Insurance Policy First Time Round
Worried About Customer Injury or Food Poisoning Claims?
Even with strict hygiene standards, foodborne illnesses and burns can happen. Our insurance covers legal defence costs and compensation payouts.
Concerned About Fire and Equipment Damage?
Cooking equipment is high-risk for fires and breakdowns. Our policies cover fire damage, repairs, and replacement costs.
Need to Protect Stock and Ingredients?
Spoiled ingredients mean lost revenue and wasted stock. Stock cover ensures fast compensation for perishable goods.
Looking for Cost-Effective Business Insurance?
We offer customised policies tailored to your restaurant size, menu, and risk level, ensuring affordable and comprehensive protection.
Need a Fast and Hassle-Free Claims Process?
Our dedicated claims team ensures quick settlements so you can focus on your customers without disruptions.
How Much Does Restaurant Insurance Cost?
The cost of Restaurant Insurance depends on:
- The type of food served and preparation risks
- The size and location of the restaurant
- The number of employees and level of employer liability required
- The value of equipment, fixtures, and stock
- Fire safety measures and food hygiene compliance
- Previous claims history and overall business risk assessment
ABA Insurance provides tailored policies at competitive rates, ensuring restaurant owners receive the best protection for their specific needs.
Why Choose ABA Insurance for Restaurant Insurance?
- Industry expertise with specialist cover for restaurants and cafés
- Flexible policies designed for fine dining, casual dining, and franchises
- Competitive pricing with cost-effective insurance packages
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Restaurant Insurance Today
Protect your restaurant, stock, and staff with Restaurant Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.