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Tailored insurance for restaurants. Maximum coverage, minimum cost.
As a restaurant owner, your clients rely on you to provide the best food, drink and service to them. But if your food and beverages result in food poisoning, you can face the threat of expensive litigation or regulatory penalties. Restaurants are also prone to kitchen staff suffering injuries while preparing food. Damage to kitchen equipment and the restaurant premises can be incredibly expensive to cover without insurance.
With Provide, you can build yourself a tailored policy to protect your consultancy. Get comprehensive coverage against legal liability, employee injuries/infectious diseases, business equipment damage, and more.
What insurance do restaurants need?
Food poisoning liability insurance: Coverage if you are sued for causing food poisoning to clients.
Property all risks insurance: Coverage for risks like fire, water leaks, damage to computers, etc. Protects your premises, kitchen equipment, and inventory.
For instance, a fire in your kitchen breaks out and destroys your restaurant. This insurance will pay for repairing your restaurant, replacing your kitchen equipment, and replacing the damaged inventory.
Public liability insurance: Coverage if customers injure themselves in your restaurant.
For instance, one of your staff leaves a puddle on the floor. A customer slips and falls in your restaurant. They can sue you for personal injury damages and medical expenses incurred.
Work injury insurance: Coverage for employee injuries/infectious disease, including Covid-19 infections.
For instance, one of your waiters gets Covid-19 after interacting with customers, and spreads it to all your other staff. This insurance will pay for lost wages while quarantined, medical expenses, and legal expenses if your workers sue you for creating an unsafe work environment.
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What are the major risks restaurants face?
Being sued by customers for food poisoning.
Regulatory penalties for food poisoning reports, or food hygiene issues
Death, injury or illness of employees. You’ll need Work Injury Compensation Insurance to cover this.
- Damage to restaurant premises, equipment, and inventory. Fire damage is a major risk for restaurants.
- Injuries to customers when dining in your premises. For instance, if a customer slips and falls, they can sue you for personal injury damages and medical expenses.
What are the benefits of using Provide for restaurant insurance?
Provide gets you tailored consultants insurance at the lowest premiums.
Save up to 25% on premiums for consultants
Get tailored coverage designed for your specific consulting needs
Convenient online platform to easily handle claims, policy updates, and quotes
Expert insurance team with 20+ years experience serving both SMEs and large multinational firms