Restaurant Insurance

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!!"