Restaurant Insurance

With over 20 years’ experience in the licensed industry, we are able to understand your business and provide the highest standard in service and cover. “Silver Service” is our tailored restaurant insurance package to suit the needs of cafes, coffee shops and restaurants across the UK.

‘Silver Service’ will provide you with comprehensive protection against material damage to the contents and buildings, including accidental damage, full theft, fire, storm and flood damage. The policy will also provide protection for loss of income following damage to the premises as well as failure of public utilities and denial of access.

Cover will include Public Liability and Employers Liability following bodily injury to a third party or an employee as a result of the business.

With a panel of the world’s largest Insurers we are able to provide the protection you need at a price you can afford. Our dedicated team are here to discuss your insurance needs and can provide you with a quote in minutes. Cover can also be arranged the same day without the need to complete lengthy proposal forms.

Below is a brief summary of the cover provided as standard, for full details please refer to the Policy Summary:

• “All Risks” cover for contents and stock (including full theft and accidental damage)
• Glass – Replacement value
• Refrigerated stock
• Public Liability up to £5,000,000
• Employers Liability up to £10,000,000
• Compensation for court attendance
• Business Interruption – Loss of income – 24 month indemnity period
• Accidental failure of public utilities
• Denial of access
• Comprehensive money cover
• Replacement of locks following theft of keys
• Generous seasonal stock and money increases
• Loss of licence
• Legal expenses – including employment disputes and compensation awards as well as tax and vat enquiries
• 24-hour legal advice help line
• 24-hour claims line, 365 days a year
• Monthly instalments available
• 14 day money back guarantee if you are not completely satisfied

Optional

• Buildings Insurance
• Property Owners Legal Liability
• Personal Accident
• Domestic Contents