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Low premiums via leading insurers

Lowest premiums from leading UK insurers

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Restaurant Insurance

Eliminate the risks against your restaurant with our robust cover which encapsulates protection against food poisoning, personal injury, sickness and property damage. Whether you're a small cafe or large restaurant, we will help tailor a policy to your specific requirements.

We are a local independent insurance broker with over 28 years of experience providing a plethora of cover to companies across Greater Manchester. Let us assess the risks you face at your premises and provide solid quotations directly from leading UK insurers.

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Restaurant Policy
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Insurance For Restaurants

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Tailored Policy Cover

Working with food can be high risk for both customers and employees. Application of stringent health and safety measures can help to protect you and your business but the occasional accident is inevitable. Having a solid insurance policy lets you focus on your business without stress and worry.

Hassle-Free Insurance

With B&M Insurance you can build a policy that takes care of all uncertainties. There is high risk when working with food and you already have enough on your plate without worrying about burns, food poisoning and slips. Our advisors will tailor a policy that is suited directly to your restaurant.

Why B&M Insurance?

  • Grey Tick Excellent service over 28 years
  • Grey Tick Compare leading UK insurers
  • Grey Tick Trusted by over 3,000 customers
  • Grey Tick Tailored quotes to your specific needs
  • Grey Tick Comprehensive levels of cover
  • Grey Tick Professional team based in Manchester

Core Restaurant Insurance Cover

Employer's Liability Insurance

If you employ staff, it is a legal requirement to carry employer's liability insurance. If a member of staff is injured or falls ill and you are found to be negligent, the cost legal proceedings could damage your business if not insured, not to mention you can also receive a fine of up to £2500 per day that you do not carry a valid certificate for EL.

Public Liability Insurance

Extremely important for all trades, public liability insurance will be a core level of cover for your restaurant. If a member of the public is injured, killed or falls ill as a result of your practices or food, or their property is damaged because of your business, you will be held liable to compensate the affected party.

B&M Insurance can ensure that you are insured for the right amount required for your restaurant to cover you against the cost of any compensation claims.

"B&M always provide excellent help with our various insurance needs, no matter how many changes we make during the year. Fully recommend"

Product Liability Insurance

As a restaurant, you will be dealing with and handling items for customer consumption including but not limited to food, beverages and water. The inherent risk of handling foodstuffs is contamination. If a customer becomes ill due to contaminated food or water, a claim for compensation can cost you dearly without the right protection.

Products liability insures you against events (which will be outlined in your policy) such as food and waterborne illness caused by items prepared by your restaurant.

Additional Cover Options

In addition to the core covers listed above, you can take additional cover to be included under one policy, with one renewal date.

  • Stock Insurance - to protect the cost price of the items you sell such as food and drinks from damage or theft.
  • Contents Insurance - to secure the fixtures and fittings in your restaurant after an insured event causes destruction.
  • Buildings Insurance - in place to shield the structural integrity of the property in case of a fire, bad weather or vandalism.
  • Goods in Transit - to defend items from being lost, stolen or damaged during transportation between a restaurant and your customers.
  • Loss of License - to protect against unforeseen costs if your alcohol license was taken away.
  • Money Cover - helping to preserve the physical deposits of cash exchanged within your business and kept in a safe or at home.

"Top team. Been using B&M for over 15 years!! Always professional and polite. The team have a good knowledge and understanding of my requirements making the process swift and easy. Keep up the good work guys!!"

Preventative Measures

Health & safety should be your top priority, providing top level quality items that have been prepared and cooked properly. Once insured, you can protect yourself against having to claim by ensuring all staff are properly trained in hygiene, food is checked thoroughly before being served and the water supply is clean.

Your Restaurant Insurance Quote

Energy, care, planning, time and resources are words you are probably familiar with running your restaurant. With all that you've invested, insurance for your business (and getting the correct level of cover) will be top priority. We understand that you have unique requirements and that cover options available can sometimes be confusing.

To help you decide, we've put together a dedicated team of elite advisors that'll help you compare restaurant insurance quotes, just call 0161 763 8222 to receive a personalized quote today. We will walk you through everything so there is no need to worry.

"I have used B&M Insurance for many years now for all my insurance needs, car, home, business, holiday etc and the service is always first class. Kevan and his staff are always friendly and helpful with any advice or quotes, and the speedy and professional manner is second to none. Highly recommended!!"

Business Insurance Experts

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Red Star

91% Renewal Retention

We strive to build a strong relationship with our clients. Ensuring quick and informed responses - with no delays.

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Invaluable Experience

Our team of 8 has over 138 years combined insurance expertise and are duly qualified to help you.

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3,003 Live Policies

We insure firms with just one person right up to companies with 738 staff, 205 vehicles and a turnover of £120,000,000.

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Tailored Package

Comprehensive insurance products tailored just for the needs of your business requirements.

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Local Protection

As a local broker we can look after your business on a more personal basis. Pop in to see us or we can arrange to visit you.

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Trusted UK Insurers

We present the most suitable policy based on the quality of cover after comparing up to 30 UK insurers.

Contact our team on 0161 763 8222 or request your free quote

Customer Reviews

4.9 Star Rating Rated 4.9 out of 5 on Google

5 Stars
Derek Whitaker

Derek W

Five Stars for B&M


Great people to deal with at B&M, always get a fantastic insurance quote and that's why I've been with them since 2004 and will continue to use them.

5 Stars
Christine Bell

Christine B

Highly Recommend


Very helpful and nothing is to much trouble will go the extra mile for you and competitive. Nice guys.

5 Stars
Barry Worrall

Barry W

Excellent Price


5 Star Service, excellent price, also customer service was more than helpful.

Would highly recommend B&M Insurance.

Our Team: 138 Years Combined Experience

Kevan Haughton

Kev Haughton

Julia Alberto

Julia Alberto

Ryan Hinegan

Ryan Hinegan

Kelly Naisbitt

Kelly Naisbitt

Daniel Fay

Daniel Fay

Lynda Marney

Lynda Marney

Find out more about our team of friendly insurance specialists

Trusted by 3,000 in Greater Manchester

Call 0161 763 8222 for a free quote

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