Restaurants Insurance
Protect your restaurant from customer injury claims, food safety incidents and property damage with cover designed for the hospitality sector.
Get in touchWhat is restaurants insurance?
Restaurants insurance is a specialist policy that protects restaurants from the risks of serving customers, managing premises and employing staff. It typically includes public liability, employers liability and buildings and contents cover.
Running a restaurant business involves risks from food safety and customer injuries to property damage and staff claims. The right insurance means a single incident will not shut your doors.
Find insurers who understand the hospitality and food sector, so your cover reflects the specific risks your restaurant business faces.
Public Liability
Covers claims from diners and visitors for injury or property damage at your restaurant.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your restaurant premises, kitchen equipment, furniture and fixtures.
Products Liability
Covers claims arising from food you prepare and serve to customers.
Who needs restaurants insurance?
Independent restaurants
Operating a single restaurant with a full kitchen
Restaurant chains
Running multiple restaurant locations
Fine dining establishments
Serving high-end cuisine in premium settings
Fast casual restaurants
Offering counter-service dining with fresh-prepared food
Pop-up restaurants
Operating temporary restaurant ventures at different locations
WHY CECIL
Built differently.
Food safety cover
Restaurants face food poisoning and allergen claims regularly. Cecil finds insurers who cover food-related incidents without restrictive exclusions.
Kitchen equipment protected
Commercial kitchen equipment is expensive to replace. Cecil ensures your policy covers ovens, fridges, extraction systems and other kitchen assets.
Business interruption available
If a fire or flood forces your restaurant to close, business interruption cover replaces your lost income. Cecil includes this where needed.
Competitive hospitality quotes
Get options from specialist insurers to find restaurant insurance from hospitality sector specialists. Relevant cover, fair prices, no generic commercial policies.
Common questions about restaurants insurance
Do restaurants need public liability insurance?
Public liability is essential for restaurants. Customers can slip on wet floors, be burned by hot dishes, or suffer allergic reactions. The potential cost of claims makes it a practical necessity.
Does restaurant insurance cover food poisoning claims?
Yes, products liability covers claims arising from food you prepare and serve that causes illness. Public liability also covers related incidents on your premises.
Do restaurants need buildings insurance?
If you own your restaurant premises, buildings insurance is essential. If you lease, your landlord may insure the building, but you will need contents cover for your fit-out and equipment.
What level of public liability do restaurants need?
Most restaurants carry between £2m and £5m of public liability cover. Landlords and licensing authorities may specify minimum levels.
Does restaurant insurance cover alcohol service?
Yes, but your insurer needs to know you serve alcohol. Liquor liability risks are factored into your premium.
Interested in Restaurants insurance?
We will be in contact when Cecil launches.