Restaurant Insurance

What is a restaurant?

Food is one of the things that brings people together. Restaurants are the backdrop for many things – friendly get togethers, work outings, first dates and celebratory dinner. As a restaurant owner, your job is to bring people together with your food. No matter what type of cuisine your specialise in, we’ve got your back.

Why is insurance important for restaurants?

As a restaurant owner it’s important that you protect your business, and your customers, in case an accident should happen. If a member of the public is injured in your restaurant or from consuming the products you sell, then you could be held liable. Similarly, if one of your employees gets hurt or falls ill as a result of working for you, you’ll be held responsible.

That’s why it’s important to have business insurance for your restaurant, so that if you need to defend yourself and your business against a claim we’ve got your back.

What does restaurant insurance cover?

At AXA, there are various covers we offer to protect your restaurant. Our business insurance is there to protect you from claims made against your business by customers, members of the public and staff.

Our policies are tailor made to suit your business, with a variety of covers you can cover to customise your policy to your business’ needs, no one else’s. Choose from:

Public and product liability insurance go hand in hand. Public liability insurance covers you for single incidents where a customer or member of the public is accidentally injured in your restaurant for example, by consuming a product with mislabelled allergy advice. Or, if someone’s property is damaged due to your business’ activities or products. We’ll cover you for up to £5 million as standard under our policy. Product liability insurance protects you in if a product you sell has accidentally caused harm or injury to several people. For example, if several people were to eat a meal you’ve prepared that caused them to fall ill.

Contents insurance is vital to any restaurant. Our contents cover can help replace the contents of your restaurant. This cover is wide ranging, covering everything from the furniture in your actual restaurant – your booths, tables, chairs etc. To your kitchen equipment – cookers, kettles, pots and pans etc and even your ingredients.

Employers’ liability insurance is a legal requirement for all businesses with employees, as it’s there to protect your employees in case they get injured and fall ill as a result of working for you. We know that employees are the backbone of your business and that’s why we’ll pay up to £10m for compensation and legal costs to defend a claim made against the insured.

How much does restaurant insurance cost?

Every business is unique, and so is the price you pay for your insurance. There are various factors that go into deciding the price you’ll pay – everything from the size of your business, to the number of staff you have, or the equipment you need to protect.

Our cover is tailored to your business’s unique needs, meaning you’ll only ever pay for the cover you need – no more, no less. The quickest way to find out your price? Get a quote online today.

What type of restaurants do AXA cover?

We cover a variety of different types of restaurant, subject to a few conditions. Your restaurant must have fewer than 40 seats and if you use frying in your cooking methods, we will be unable to insure you if you use flash or wok frying.

If you're not sure whether your business will be covered under our criteria please don’t hesitate to get in touch and one of our friendly staff can assist with your enquiry.

Do AXA cover restaurant with fryers?

Yes, we do insure restaurants with fryers, provided certain conditions are met. These include but are not limited to:

• Deep fat fryers must be fitted with a thermostat calibrated at 205°C
• Flash or wok frying is not permitted
• Cooking equipment must never be left unattended when in use.
• Equipment must be cleaned every 7 days

For a full list of conditions and to see if you’re business meets our criteria, make sure to take a look at the policy wording or get in touch with our team to find out more.

** Based on 14,497 reviews. Accurate as of 30 Nov 2021.