Restaurant & Takeaway Insurance

No two businesses are the same. The sort of risks food businesses face are different from the potential threats associated with other commercial spaces such as offices.

Restaurants and takeaways are public venues with customers and employees constantly coming and going. That is why they require specialised restaurant insurance that address their key risks.

Some of the insurance risks food businesses face are similar to retail businesses but others are unique to dine-in or catering businesses. Common insurance risks include natural catastrophes such as flooding or storms, theft of stock and vandalism.

While your standard building and contents insurance package can provide some measure of protection against these risks, you still need tailor-made coverage against risks unique to your business. These can include insurance cover relating to:

Restaurant insurance packages by IC Insurance Solutions provide coverage in the following areas:

Public liability cover is essential for your business if members of the public visit your premises

Public liability insurance covers the cost of any legal responsibilities, including legal fees and compensation, that may arise in case members of the public sustain an injury or damage to property in your food outlet.

If your business involves the delivery of food and/or beverages to the public. A products liability cover financially safeguards your business against any injury or property damage caused by your goods.

A contents cover, also known as a stock cover, protects your equipment, inventory, and supplies from theft, malicious damage, destruction by fire, floods and other insured risks

A ‘glass cover’ reimburses you for any damage to the glazing in your shop so you can conveniently replace them. Covered installations include shop front, windows, and glass in display cabinets.

Employer’s liability cover is compulsory for most UK businesses with at least one employee.

Employers’ liability insurance protects you against any legal action due to the accidental death or injury of an employee that may be the result of operations associated with your business.

Also known as business income insurance, business interruption cover provides financial assistance to recompense your loss of income for a set duration of time.

money cover provides financial protection against theft of money from your outlet or whilst in transit to or from your bank