Restaurant Insurance – What Is Covered?
Restaurant insurance policies provide a simple package covering all your insurance requirements. From public liability risks for customer slips trips or falls; products liability for illness claims from food sold; employers liability covering your legal liability for staff; buildings cover if you own the premises, cover for your stock, business contents, fixtures & fittings; money and signage or restaurant front/glass – plus many other useful options tailored to your specific requirements.
Is Restaurant Insurance Compulsory?
The only areas of cover which are compulsory by law is motor insurance for any vehicles you own and employers liability which protects your legal liability against injury or illness to employees as a result of their employment with your restaurant – for example, a waitress trips over a loose floor tile carrying several plates and breaks her ankle.
Whilst failure to purchase other covers might not break the law, without public liability and cover for your contents and fixtures and fittings you will be leaving your restaurant severely financially exposed. Imagine a kitchen fire which completely gutted the restaurant – how would you find the refurbishment? Who would pay the rent in the interim? Restaurant cover provides genuine peace of mind for you and your business.
Compare Restaurant Insurance Quotes
Your business needs to cater for a variety of diners tastes, different insurers target specific areas of the market – some prefer high end dining, others like fast food establishments. The good news is that Insync has access to a complete range of leading insurers allowing us to compare restaurant insurance quotes from up to 10 insurers in minutes!
Our expert advisors will help you to assess your risk and build a package that works for your restaurant and your budget.