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Restaurant Insurance

Protect your business with Restaurant Insurance through Jensten Insurance Brokers.

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What is Restaurant Insurance?

Restaurant Insurance is a specialist form of cover designed to give restaurant owners the financial protection their business needs. A flexible form of insurance, it can give you important covers, such as:

  • Public Liability protection.
  • Employers’ Liability Insurance.
  • Buildings Insurance.
  • Stock cover.
  • Loss of Licence Insurance.

Need Restaurant Insurance?

For comprehensive Restaurant Insurance

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What does Restaurant Insurance cover?

Cover can include:

Buildings Contents and Stock

Buildings and contents insurance protects your business in the event of damage by a range of perils including fire, flood, theft, burst pipes or storms.

Directors’ and Officers’ Insurance

D&O insurance reimburses the defense costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing. D&O insurance also covers monetary damages, settlements, and awards resulting from such claims.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

Hospitality Inspection Cover

Most machinery requires regular inspection to ensure that it complies with the appropriate legislation, for example a passenger lift requires an inspection every 6 months. Cover includes sudden and unforeseen damage.

Legal Expenses

If someone takes legal action against you or your company Legal Expenses cover will support you in the cost of going to court.

Loss of Premises License

A premises licence is a permanent licence granted for a specific location, that authorises the holder to sell alcohol. As a business that benefits from an alcohol licence, the council could revoke this due to circumstances beyond your control, for example, crime and disorder. Loss of premises licence cover can provide assistance in defending a decision to remove or revoke your licence and cover the loss in depreciation in the value of your building should it lose its licence.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Terrorism Cover

The need for insuring against acts of terrorism is more prevalent than ever with the UK on a Severe level of threat for the majority of the past 12 years. Cover can include loss of income as well as the physical damage to property and contents. Policies we provide can cover acts of sabotage as well as lone wolf style attacks.

Why use Jensten

Dedicated

We are dedicated to our clients

Trusted

We are the trusted broker to hospitality and leisure clients

Flexibility

Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

What types of places does Restaurant Insurance cover?

Thanks to our flexible approach to our clients, we can offer Restaurant Insurance quotes for a range of outlets, including:

  • Restaurants.
  • Fast food restaurants.
  • Pop-up restaurants.
  • Gastro pubs.
  • Takeaways.

If you’d like to know more about Restaurant Insurance or would like a Restaurant Insurance quote that’s built around your eatery, call us on 0800 368 9018, and our insurance specialists will be happy to help.

How much does Restaurant Insurance cost?

As we’ll create your cover around you and your establishment, and given the different policy elements on offer, there’s no simple answer to that question. What we can say is that your Restaurant Insurance quote will be based on factors such as:

  • Your postcode.
  • If you own your premises.
  • Whether you have any employees.
  • Your turnover.
  • The value of your stock and equipment.
  • Whether you do deliveries/outside catering.
  • The type of good you serve – if you’re deep-frying food, that can have a bearing on your premiums.
  • Your claims history.
  • Your opening hours.

For some personalised Restaurant Insurance help, please get in touch. Our friendly team will be able to give you all the advice you need and provide you with a Restaurant Insurance quote.

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need Restaurant Insurance?

For comprehensive Restaurant Insurance

enquire today

Restaurant Insurance

Restaurant Insurance can be complex, so to help you get the cover you need, here are the answers to some frequently asked questions about it. We hope they’ll prove helpful, but if you’d like some advice that’s tailored to your needs, please call us on 0800 368 9018 or request a callback.

No, but Employees’ Liability Insurance is a legal requirement if you have employees.

At Jensten Insurance Brokers, we’re committed to finding our clients a great deal on quality cover. Having provided numerous Restaurant Insurance quotes, we’ve learned a thing or two about how to save money on Restaurant Insurance, including:

  • Get some independent advice – some policies will include add-ons you don’t need, and removing them can help you save money. It’s important to make sure you aren’t over or underinsured, though. If you are underinsured, you may face a significant shortfall in the event of a claim, and if you’re over-insured, you may be paying more than you need to. Either way, it pays off to get some independent insurance advice.
  • Shop around – or better still, get an independent broker such as Jensten Insurance Brokers to do the shopping around for you. With our specialist knowledge and insurer contacts, we can help you get the right cover at the right price. To get a restaurant business insurance quote, call us on 0800 368 9018, request a callback, or start your Restaurant Insurance quote today.
  • Be clear on the details – give your broker as much information as possible on what you do and how you operate – working with deep fat fryers, for example, may increase your risk profile. You should include things like:
    • The value of any stock.
    • How much cash you have on site.
    • Whether you have any employees.
    • The value of fixtures and fittings.
  • Increase your levels of security – burglar alarms, window locks, not leaving cash overnight, fitting window grills and security locks can all help reduce your Restaurant Insurance quote costs.
  • Ensure your policy has flexible cover limits – so you increase your level of stock protection to cover busy times like Christmas and the summer months.

At Jensten Insurance Brokers, we’ve helped hundreds of restaurant owners get the specialist cover they need. In doing so, we’ve developed a deep understanding of your needs, and working with us offers you the following advantages:

  • Personalised advice from experienced insurance professionals.
  • Restaurant Insurance that’s tailored to your business’s needs.
  • Help should you need to make a claim.
  • Independent service from a 4.8/5 feefo-rated broker.

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Registered Address: Beaufort House, 15 St. Botolph Street, London, EC3A 7BB. Registered in England No: 08284692

Jensten Insurance Brokers is authorised and regulated by the Financial Conduct Authority No. 766281. This can be checked by visiting www.fca.org.uk/register.

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