Restaurant Insurance

Cover for a range restaurants including bistro, fast food or restaurants specialising in Chinese, Indian, Italian, traditional or other exotic cuisine.

  • We cater for your unique needs and can combine your restaurant insurance requirements into one simple package
  • Professional claims assistance
  • UK based support

Call us on 03301 625 118 or get a quote online.

A shield with a tick inside it on a big translucent blue circle
A waitress serving two fried breakfasts to a table with a large brick fireplace containing a wood fired stove in the background
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4350 customer reviews

Feefo Logo

Why choose restaurant insurance with Towergate?

Two tower blocks

Restaurant insurance for your needs

Flexible limits depending on the needs of your restaurant.

People

Cover for a range of restaurants

Cover for a variety of premises from buffets to à la carte venues.

Claim

Professional claims assistance

Expert advice to help you with any claims you face.

Direct Debit icon

Pay for your restaurant insurance by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About restaurant insurance

Liability

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.

People

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.

Care

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.

Water

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.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03301 625 118 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Select your insurer
  • Relax - You're covered!
Get a Quote

Restaurant insurance FAQs

Yes, this is something we can cover, you’ll need to chat with the team to make sure it’s something we include when looking to find the most suitable policy for you.

Yes that’s fine, just let the team know you want to include property insurance when you run through the quote.

We need to know your turnover to assess the size of your business and ensure your business interruption insurance provides sufficient protection. Turnover under some policies is a rating factor and when calculating the premium and our assessment of the cover available.

If you are the owner of the building and require buildings insurance, then we will include the entire structure including flat under a building cover section of the restaurant policy With buildings cover this would include property owner’s liability, so slips and trips related to the building as a whole can be covered. It is down to the tenant of the flat above to arrange cover for their own goods/contents. For more information just talk through your circumstance with the team and they will aim to source the cover that fits.

Yes, from the moment you have accepted our quotation and we have confirmed your cover and set it up, you will be insured from that point on. We will then issue and email your policy documents over to you. These can be posted if you prefer.

We aim to be as competitive as possible first time providing great value being a combination of cover at the right price. In the event that you do find a cheaper alternative then speak to us, as we will approach the insurers and negotiate on your behalf as we seek to build long term relationships with o customers and will do what we can to save you money on your business insurance without reducing your cover.

Entertainment i.e. dancing or live music will always present a higher risk, but it does not necessarily mean that we cannot to accommodate this, we will just need to look to insurers that specialise in these activities. We have the right connections!

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

Read more FAQs

Read restaurant insurance articles

How to Insure Your Shop’s Stock

Our guide to everything you should consider when calculating the necessary insurance for your business' stock.

Read more

Commercial Property: The Rebuild Cost

This article will look at calculating the rebuild cost of commercial property for homeowners and landlords looking for property insurance.

Read more

What is Commercial Landlord Insurance?

Find out exactly what commercial landlord insurance is and why it's vital cover for anyone renting out to a third-party business in our useful video.

Read more