Specialist Insurance

Restaurant Insurance

Comprehensive protection for restaurants, fine dining establishments, and food service venues. From independent bistros to upmarket restaurants, we arrange tailored cover to protect your premises, equipment, stock, and business income.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Restaurant Insurance Cover?

Restaurant insurance combines multiple covers to protect your business operations. Typical coverage includes:

Buildings Insurance

Protection for your restaurant premises against fire, flood, storm, and other insured perils.

Contents & Fixtures

Cover for furniture, fittings, kitchen equipment, and machinery including ovens, refrigeration, and dishwashers.

Stock Insurance

Protection for food and beverage stock against damage, theft, and spoilage.

Food Spoilage

Cover for loss of stock due to refrigeration breakdown, power failure, or contamination.

Business Interruption

Replacement of lost gross profit if you cannot trade due to an insured event.

Public Liability

Protection if a customer is injured at your premises – typically £5m-£10m cover for restaurants.

Employers' Liability

Legally required cover for staff injured at work – typically £10m minimum.

Liquor Liability

Protection against claims from customers injured or harmed due to alcohol service.

Money Cover

Protection for cash on premises, in transit to the bank, and in a safe overnight.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Hospitality Expertise

Over 10 years arranging insurance for restaurants and food service businesses.

Tailored Cover

Policies matched to your specific restaurant type, cuisine, and operational model.

Claims Support

Dedicated support to help you through the claims process and minimise business disruption.

Market Access

Access to specialist hospitality insurers offering premiums suited to your risk profile.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Independent restaurant owners
Fine dining establishments
Casual dining venues
Restaurants with bars or alcohol service
Businesses with multiple staff
Premises with high-value kitchen equipment

What We'll Need for Your Quote

1
Restaurant address and postcode
2
Type of cuisine and dining style
3
Number of covers per service
4
Number of staff employed
5
Annual turnover or revenue
6
Kitchen equipment list and values
7
Alcohol service details (if applicable)
8
Any previous claims history
9
Security measures in place

Get Your Quote

Frequently Asked Questions

What is the difference between restaurant and cafe insurance?

Restaurant insurance typically includes higher liability limits, liquor liability, and covers full meal service. Cafe insurance is usually simpler, covering light refreshments and beverages.

Is food poisoning covered?

Food poisoning claims are typically covered under public liability if you can demonstrate proper food handling procedures. We recommend food hygiene training for all staff.

What if my kitchen equipment breaks down?

Equipment breakdown is covered under contents insurance. Food spoilage cover protects you if refrigeration fails and stock is lost.

Do I need liquor liability cover?

Yes, if you serve alcohol. Liquor liability protects you against claims from customers injured or harmed due to alcohol service.

How much public liability cover do I need?

Most restaurants carry £5m-£10m public liability cover. We will recommend appropriate limits based on your premises and customer numbers.

What about staff working from home?

If you have staff working from home, you may need to extend your employers liability cover. We can advise on the best approach.

Can I get cover for a restaurant under renovation?

Yes, we can arrange temporary cover during renovation. This includes cover for theft of materials and liability for contractors.

Is business interruption cover essential?

Yes, business interruption cover is highly recommended. It protects your income if you cannot trade due to fire, flood, or other insured events.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.