Standard cover

Product liability insurance for your restaurant

If there's a problem in the kitchen and the food you serve accidentally leads to illness or injury, a claim may be made against the restaurant. The policy can cover you for your legal defence costs and awards will be paid to the customer if they win the case. Products liability for restaurants can also cover any foods you sell for customers to consume at home.

Public and employers' liability for restaurants

Public and Employers' Liability insurance is important for restaurants, as it provides financial protection in the event of a liability claim made against the business. Here are some of the key features of Public and Employers' Liability insurance for restaurants:

  1. Public Liability coverage: This coverage provides protection for third-party property damage or injury that occurs on the restaurant's premises. For example, if a customer slips and falls on a wet floor in the restaurant, public liability insurance can cover the cost of any compensation claim.
  2. Employers' Liability coverage: This coverage provides protection for claims made by employees for work-related injury or illness. For example, if an employee cuts their hand while preparing food in the kitchen, employers' liability insurance can cover the cost of any compensation claim.
  3. Food contamination coverage: Some policies may provide coverage for food contamination, such as if a customer becomes ill after consuming food from the restaurant.
  4. Policy limits: Public and Employers' Liability insurance typically has policy limits that determine the maximum amount the insurer will pay in the event of a claim.

It's important to carefully review the coverage options and policy limits of Public and Employers' Liability insurance to ensure that the policy meets the needs of your restaurant. An insurance professional can help you assess your risks and determine the appropriate coverage for your business. Public and Employers' Liability insurance is an important consideration for restaurants, as it can help protect against financial losses arising from liability claims.

If you have employees, you are legally required to have employers' liability insurance this will be a standard feature of a restaurant package policy. In addition we include public liability insurance, so if a customer were to slip or trip in your premises and the cause was found to be due fault on your part, the restaurant, package policy would cover your legal defence and compensation costs under the public liability section of cover.

Flexible contents cover for eateries

Insure your restaurant's fixtures, fittings furniture and kitchen equipment on a new for old basis. Cover is tailored to your needs depending on the actual replacement values at today’s prices. It’s very important to get this correct especially if you have invested money in theming your restaurant.

Business interruption for restaurants

Severe damage caused by an insured peril such as fire or flood may prevent your restaurant from opening and trade interrupted causing a reduction in income/turnover. Despite not opening for business, you will still have a number of business overheads to cover e.g., wages, bills, mortgage, rent, bank loans, insurance premium and rates. Loss of Income cover helps you pay the costs whilst your property is repaired. It’s important the indemnity period in the policy is of sufficient length to allow you to return fully to the same level of trading as before the loss occurred.