Call 0800 197 5515 (Mon-Fri 9am-5pm) Business Insurance

Our Restaurant & Cafes product is aimed at both independent and franchised premises including single premises and portfolios. From fine dining to traditional cafés, this product provides access to a wide range of restaurants & cafés.

Insured perils for buildings & contents

‘All risks’ cover is provided for your buildings (if applicable) and your trade contents & stock for the sums insured selected by you.

Fire, explosion, lightning or earthquake, Storm or flood, Escape of water, Riot & civil commotion, Malicious damage, Impact, Leakage of oil from heating systems, Leakage of beer and/or other beverages, Theft by forcible and violent entry/exit, Full theft – for premises providing sleeping accommodation for paying guests, theft cover will not be subject to forcible and violent entry/exit and Accidental damage.

Key benefits include:

  • Cover includes Accidental damage as standard
  • Combined package policy available for Contents, Buildings, Business interruption, Loss of accounts receivable, Loss of Liquor licence, Subsidence, Theft by employees, Specified all risks, Terrorism, Employers liability, Public liability, Legal expenses and Household contents.
  • Extra benefits cover for Buildings includes Damage to cables and underground pipe and Trace and access
  • Extra benefits cover for Contents including:
    • Damage to fixed glass, restaurant fronts and sanitary fittings
    • Damage to external blinds and signs
    • Loss or damage to goods in transit
    • Theft of keys including replacement of locks
    • Loss of money
    • Personal accident and assault following a robbery or hold up
    • Loss of freezer contents
    • Seasonal increase for stock at busy periods
    • Loss of metered water
    • Outside catering cover
    • Property in the open
    • Damage to landscaped gardens
    • Rent/lease payments as tenant if the hotel or guesthouse is un-tenantable from damage by a peril insured
    • Personal effects of guests

Standard cover includes:

  • Contents including:
    • Computers & electronic office equipment
    • Tenants improvements and interior decorations
    • All other contents
    • Cigars, cigarettes & tobacco
    • Wines & spirits
    • All other stock in trade including trade samples and goods in trust
  • Loss of income
  • Loss of liquor licence
  • Public liability £2,000,000
  • Employers liability £10,000,000
  • Legal expenses

Optional cover includes:

  • Buildings
  • Subsidence, ground heave & landslip
  • Theft by employees
  • Specified all risks
  • Terrorism
  • Public Liability up to £10,000,000
  • Household contents

Please contact our dedicated helpline 0800 197 5515 to discuss your requirements or complete the Request a Call Back form and one of our team will contact you.

The above cover and limits are based on our products only. In certain circumstances we may seek terms from alternative markets and we will set out our recommendations to you based on our assessment of your requirements.