Insurance For Restaurants

Restaurant Insurance

Tailored 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 inevitible. Having a solid insurance policy lets you focus on your business without stress and worry.

Build a policy

With B&M Insurnace 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

  • Insurance provided by leading UK insurers
  • Everything is run from our offices in Bury
  • Trusted by over 3000 Manchester businesses
  • Tailored quotes to your specific needs
  • Quote comparisons from multiple insurers
  • Over 25 years providing excellent service

Do I need to insure my restaurant?

There are some core insurances such as employer's liability that are required by law.

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 priority core insurance 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.

Building your restaurant cover

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

  • Stock Insurance;
  • Contents Insurance;
  • Buildings Insurance;
  • Tenants Insurance;
  • Products Liability.

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 water bourne illness caused by items prepared by your restaurant.

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.

To go the extra mile you can also include allergens on your menu.

Obtaining a restaurant insurance quote

Energy, care, planning, time, resources. 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.

Restaurant Insurance Quote: 0161 763 8222

Client Testimonials

ARC Childrens Home

"I have relied upon B&M's expertise and knowledge for insurance for many years. Their focus on proactive, professional customer service has been a great benefit to our company. Gareth and the rest of the staff at Insurance Price have taken the hassle factor out of insurance needs. I would highly recommend them to anyone who appreciates service way beyond the norm."

ARC Children's Home Surrey

"I just wanted to send a note to thank you for all of the work you have done for General All-Purpose Plastics over the years. You have consistently guided us in a professional way through the complex and seemingly ever changing world of insurance. We trust you to ensure that you find us the most appropriate policy for our needs, with an insurer who is well established and efficient and at a price which is competitive."

General All Purpose Plastics Blackburn

Meet The Team

Gareth Williams

Gareth Williams

Gareth has a solid 20 years experience, holding a Certificate from the Chartered Insurance Institute (CII).


Kevan Haughton

Kevan is has knowledge and experience in all industries having worked with businesses for over 25 years. Certified by the Chartered Insurance Institute (CII).


Ryan Hinnegan

Ryan joined B&M Insurance after graduating in 2003, dealing with the administration of the insurance policies we offer to our clients.


Rebecca Watkins

Rebecca graduated in 2012 and has worked with B&M ever since. She is currently studying for her Certificate in insurance via the CII.