Dave Beard

Expertly compared by Dave Beard

Products Updated June 4, 2018

Business Insurance For Restaurants

Business insurance is an important tool for the daily running of any restaurant. Owning a restaurant will mean that you deal with customers every single day and although you may believe that your service, food and premises are exceptional all it takes is one claim to cause you financial damage.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

4 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

4 providers expertly compared:

Available via broker only

Zurich

Provider
Zurich Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.6/ 5

All credit types

The right insurance package will give you the peace of mind to successfully grow your business. Zurich have an extensive suite of insurance products tailored to a wide range of small and SME businesses to ensure you have complete protection from all risks.

4 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

4 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

About Business Insurance For Restaurants

In your line of work there are risks all around you ranging from advising customer on what food they should try to a faulty table or under-cooked food. If your customers believe they have been wrongly advised, badly treated or been injured through a lack of care then they have the right to make a claim. Having to defend and pay for all of the costs associated with a claim can cripple your business financially and ultimately signal the end of your reputation as a successful business.

Business Insurance For Restaurants

Business Insurance For Restaurants

Our business insurance comes in the form of professional indemnity insurance and public liability insurance and both are they to protect you when you need it. Having this cover in place will give you complete confidence when it comes to handling a claim because it is there to protect you.

There are many ways in which a claim can be made against you so do not leave yourself exposed to these possibilities. Simply put business insurance in place because you have worked hard to make your restaurant a success.

How Does It Work?

You have a successful restaurant with many returning customers as well as great reviews but all of this can be taken away if a claim is made against you. This is why business insurance is crucial to the running of your business. Injury, sickness, negligence and financial loss can be experienced by customers when they eat at your restaurant and all of them have the right to make a claim.

If you choose to put professional indemnity insurance in place then you will be protected from claims made against you regarding advice that you offer as well as illnesses or injury caused by your work or food. If a customer makes a claim against you then professional indemnity insurance is there to protect you. It will cover all costs associated with defending claims as well as settling claims which means your business will not have to foot the bill.

A restaurant brings with it a number of injury risks to your customers. Spillages by staff, dangerous flooring and faulty equipment can all lead to injury and this brings with it the potential for claims. Public liability insurance will give you the confidence you need to know that your business is protected should a claim be made against you. Even if a claim is unsuccessful, all costs are covered and this means you can focus more on the success of your business without the worry of covering the costs of a claim.

The Features

Our business insurance guarantees the following features:

  • Every claim is covered regardless of the outcome
  • Full assessment of individual claims before payments are released
  • Business insurance will become a focal part of your business
  • Costs linked to claims and compensation are paid for
  • Cover designed for your needs
  • Costs associated to attending court are covered
  • Payment plans designed to suit your budget

What Are the Benefits?

You will receive the benefits listed below:

  • Meet all legal requirements and regulations
  • Concentrate on the needs of your business and not worry about the cost of a claim
  • Every cost is covered
  • Advice is readily available along with first-class representation
  • You will look professional and trustworthy with business insurance in place

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