Product liability insurance for your restaurant
If there's a problem in the kitchen and the food you serve accidentally leads to illness or injury, a claim may be made against the restaurant. The policy can cover you for your legal defence costs and awards will be paid to the customer if they win the case. Products liability for restaurants can also cover any foods you sell for customers to consume at home.
Public and employers' liability for restaurants
If you have employees, you are legally required to have employers' liability insurance this will be a standard feature of a restaurant package policy. In addition we include public liability insurance, so if a customer were to slip or trip in your premises and the cause was found to be due fault on your part, the restaurant, package policy would cover your legal defence and compensation costs under the public liability section of cover.
Flexible contents cover for eateries
Insure your restaurant's fixtures, fittings furniture and kitchen equipment on a new for old basis. Cover is tailored to your needs depending on the actual replacement values at today’s prices. It’s very important to get this correct especially if you have invested money in theming your restaurant.
Business interruption for restaurants
Severe damage caused by an insured peril such as fire or flood may prevent your restaurant from opening and trade interrupted causing a reduction in income/turnover. Despite not opening for business, you will still have a number of business overheads to cover e.g., wages, bills, mortgage, rent, bank loans, insurance premium and rates. Loss of Income cover helps you pay the costs whilst your property is repaired. It’s important the indemnity period in the policy is of sufficient length to allow you to return fully to the same level of trading as before the loss occurred.
