Running a public house or restaurant can be a big responsibility and it is important you have the right level of restaurant business insurance cover for your business.
Interested in our Restaurant & Cafe Business Insurance? Please fill in the form below and a member of our team will be in touch to provide you with a bespoke quotation.
Similar to a home or office insurance policy, you should be insured for the contents of your restaurants or public house in the event that they are damaged, lost, stolen or destroyed. You need to specify the value of your contents to us whilst we are getting you a quote to ensure you will be adequately insured.
As with contents cover, all of your stock should be insured in case it is damaged, destroyed, lost or stolen. You will still need to specify the value of your stock to us as with your contents while we are getting you a quote so you will be sufficiently insured.
For all restaurants and public houses, public liability insurance cover is vital. This will cover if a customer is hurt or injured on your premises. Public liability cover also covers you if property is damaged in your premises. An example is a customer that hurts their ankle after having slipped over on a wet floor on your premises.
The injured customer, in this example, would be within their rights to sue you because their injury was caused as a result of business activities. Having good public liability cover ensures that compensation payments, NHS medical costs, and any legal costs related to the claim will be covered by your insurance company. Without public liability cover you could be liable for the whole claim.
You are legally required to have employers’ liability cover if you employ anyone to work on your premises. If you need to pay compensation to an employee that is injured or become ill as a result of working in your employment.
Employers’ liability cover, like public liability cover, ensures that compensation payments, NHS medical costs and any legal lees related to the claim will be covered by your insurance company. This also applies to ex-employees who have been injured or become ill as a direct result of working for you in the past.
Trident Business Insurance will work for you to find the best quote for your restaurant insurance so you have peace of mind and can continue to be productive as a business.
Deciding what kind of restaurant insurance cover you need can be complicated. At Trident Business Insurance will make it easier for you and find you the best quote so you don’t need to worry.
Please use the contact information provided below to get in touch with our team
For more information on how Trident Insurance can help you please call 0800 038 9000
Registered in England and Wales. Company Number 4010965. Trident Insurance is part of Advanced Insurance Centres Limited, 4 Clements Court, Clements Lane, Ilford. IG1 2QY Authorised and Regulated by Financial Conduct Authority (FCA). Registration Number 306128. All calls will be recorded for your security Copyright © 2017 Advanced Insurance Centres Ltd trading as Trident Insurance. All rights reserved. All trademarks are the property of their respective owners.