Restaurants' & cafes' insurance | Small Business Direct

Restaurants & cafes

Our insurers understand the nature of the day-to-day risks you face. In fact it's why we partner with them - they've designed cover packages especially for cafes and restaurants. They can provide you with all your essential covers leaving you the freedom to choose to include optional extras, that could support your business should something unexpected happen.

All-inclusive cover

When a small business like yours suffers a fire, flood or theft, you might wish to consider more than just buildings and contents insurance. Business interruption insurance could also help cover your loss of income and keep the cash flowing if you had to temporarily shut your doors to the public – giving you the breathing space to get back on your feet while repairs are made. Similarly if a customer or supplier is injured on your premises and they sue you for damages, it pays to be protected in advance. Public liability insurance can protect you against large compensation pay-outs, as well as any legal fees required to defend a claim in court. When you own a cafÃƒ© or restaurant, a broken fridge, freezer or oven could have fairly major consequences, so you may also wish to insure these too. Equally perishable stock could become unfit for use, leaving you unable to trade. Thankfully our panel of insurers can provide protection for all these scenarios and more with comprehensive cafÃƒ© and restaurant insurance packages, arranged through Small Business Direct.

All-inclusive cover

When a small business like yours suffers a fire, flood or theft, you might wish to consider more than just buildings and contents insurance.

Business interruption insurance could also help cover your loss of income and keep the cash flowing if you had to temporarily shut your doors to the public – giving you the breathing space to get back on your feet while repairs are made. Similarly if a customer or supplier is injured on your premises and they sue you for damages, it pays to be protected in advance. Public liability insurance can protect you against large compensation pay-outs, as well as any legal fees required to defend a claim in court. When you own a cafÃƒ© or restaurant, a broken fridge, freezer or oven could have fairly major consequences, so you may also wish to insure these too. Equally perishable stock could become unfit for use, leaving you unable to trade. Thankfully our panel of insurers can provide protection for all these scenarios and more with comprehensive cafÃƒ© and restaurant insurance packages, arranged through Small Business Direct.

Key covers

Accidents can happen in restaurants and cafes whether it’s a slippery floor without a sign or a flying glass. Public liability insurance could cover these scenarios and comes included as standard. Employers liability insurance is also included as standard if you employ staff. We arrange a wide variety of insurance covers for pub and restaurant owners, offering comprehensive and flexible choices:

Key covers

Accidents can happen in restaurants and cafes whether it’s a slippery floor without a sign or a flying glass.

Public liability insurance could cover these scenarios and comes included as standard. Employers liability insurance is also included as standard if you employ staff. We arrange a wide variety of insurance covers for pub and restaurant owners, offering comprehensive and flexible choices: