Restaurant insurance

Licensed trade insurance for restaurants

The restaurant industry is fast paced, with many areas in which there could be an accident or injury involving either a member of staff or the public. Towergate Risk Solutions Great Yarmouth would like to warn restaurant owners that, without adequate insurance, you can leave your business open to potentially large claims, the consequences of which could be ruinous.

Owning a restaurant means assuming responsibility for the safety of your guests at all times while they are on your premises. You will also have staff to protect and legislation to adhere to.

At Towergate Risk Solutions Great Yarmouth, we have a thorough understanding of the risks you face by running a restaurant and know how to methodically evaluate your restaurant's specific exposure to these risks. This enables us to provide you with a bespoke insurance package for your restaurant business, on which you can depend.

Summary of features

Trade contents and stock

• Includes accidental damage as standard
• Automatic seasonal stock increase of 50%

Loss of income

• (2 years) from £750,000

Business money

• On premises during business hours/in transit: £5,000
• In locked safe: £1,500/£3,000 (higher limits available)
• In machines: £2,000
• Outside business hours not in safe: £500

Glass

• Covered to full reinstatement value
• Ornament glass: £2,000 as standard

Liability to others

• Public/products: £2 million (higher limits available)
• Employers' liability: £10 million to remain the same

Deterioration of stock £2,500

• Cellar cooling equipment with a maximum of £50,000 for any one claim

Goods in transit

• Standard cover: £5,000

Legal expenses covered as standard

Cover options

Towergate Assist

• Assistance with preparing and negotiating claims over £5,000 (excluding subsidence and liability)

Buildings cover

• Cover up to the full reinstatement value

Domestic contents cover

• With optional worldwide cover

Risk management

• Risk management through Inn Compliance

Policy Features can vary from policy to policy therefore you should check any policy wording carefully.