Cover built around a working kitchen, a dining room full of customers, and everything that can go wrong between the two.
Cover built around a working kitchen, a dining room full of customers, and everything that can go wrong between the two.
Kitchen equipmentFood servedInterruption after fire
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Restaurant insurance helps protect your business from the costs of customer injury, kitchen fires, equipment breakdown and staff claims. Most restaurants combine several covers, such as public liability, employers’ liability and stock cover, into one policy.
One policy. Multiple risks. From the dining room to the kitchen, the right cover follows your business, not just your premises.
The right restaurant cover depends on:
Your type of restaurantPremises and locationNumber of employeesKitchen equipment and cookingStock and food suppliesCustomer-facing activities
Cover that fits the way your restaurant works
Cover that fits the way your restaurant works
Every restaurant faces different risks, from the kitchen to the dining room.
Every restaurant faces different risks, from the kitchen to the dining room.
RecommendedPublic Liability
Protection if a customer or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
Cover for claims involving employees injured at work.
RecommendedProperty & Contents
Protection for your premises, kitchen equipment and fixtures.
RecommendedBusiness Interruption
Support for loss of income following a fire, flood or closure.
OptionalStock & Equipment
Cover for eligible stock, kitchen equipment and refrigeration.
OptionalProduct Liability
Protection against claims arising from food you’ve served.
What could go wrong?
What could go wrong?
Most restaurant claims come from a kitchen fire, an escape of water, a customer injury, or equipment failure that stops you trading.
Most restaurant claims come from a kitchen fire, an escape of water, a customer injury, or equipment failure that stops you trading.
This type of business insurance may suit you if you run a restaurant, café or food business with customers on site.
The right cover depends on:
Independent restaurantsCafés & coffee shopsFood businesses with deliveriesRestaurant groupsTakeawaysRestaurants with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A kitchen fire, a customer injury, a refrigeration failure and a food safety claim are the four restaurant scenarios insurers see most. Each responds to a different cover.
A kitchen fire, a customer injury, a refrigeration failure and a food safety claim are the four restaurant scenarios insurers see most. Each responds to a different cover.
Customer injury
A customer slips inside the restaurant and needs medical treatment.
Potential cover
Public Liability
Kitchen fire
An employee is injured while dealing with a kitchen fire.
Potential cover
Property + Business Interruption
Employee accident
An employee is injured while carrying hot dishes.
Potential cover
Employers’ Liability
Equipment breakdown
Essential refrigeration equipment fails overnight.
Potential cover
Equipment Breakdown / Stock
How the quote process works
How the quote process works
Getting restaurant insurance takes four steps: tell us about your restaurant, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting restaurant insurance takes four steps: tell us about your restaurant, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Tell us about your restaurant
Your premises, staff and menu.
Tell us what you need
Which covers matter most to you.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Restaurant insurance guides
Restaurant insurance guides
Practical advice on cover, kitchens and staying protected.
Practical advice on cover, kitchens and staying protected.
Find Out If Restaurant Insurance Covers Food Poisoning & Allergies?
Running a restaurant in the UK can involve a wide range of responsibilities, especially when serving food to the public. One of the most critical risks restaurants may face is the potential for food poisoning or allergic reactions. Claims of this nature can be serious and could result in legal and financial challenges for the business.
Restaurant Insurance Basics: Equipment, Employer Liability & Stock Cover
Running a restaurant in the UK can involve a wide range of operational risks. From protecting valuable kitchen equipment to meeting legal responsibilities as an employer, having the right restaurant insurance in place could be essential for safeguarding the business.
Restaurant Equipment & Stock Insurance: Avoid Common Kitchen Pitfalls
Running a restaurant in the UK can involve managing valuable equipment and holding high levels of stock, both of which are essential to daily operations. Without suitable protection, damage, theft, or equipment breakdown could lead to costly interruptions and potential financial strain.
Restaurant Insurance UK: Public Liability, Employers’ Liability & Contents Covered
Running a restaurant in the UK can involve managing complex risks. From public safety to staff protection and safeguarding essential equipment, arranging the right restaurant insurance could be key to helping protect the business against potential financial losses.
Restaurant insurance FAQs
Restaurant insurance FAQs
Whether you know exactly what you need or you’re still working it out.
Whether you know exactly what you need or you’re still working it out.
Restaurant insurance is a combination of covers built around running a kitchen and serving customers: public liability for customer injury, employers’ liability if you have staff, and cover for stock, equipment and lost income if you have to close.
Still have questions?
Our advisers are here to help you find the right solution.
