Restaurant Insurance

What insurance do I need for my restaurant?

The most common claim that restaurants have to pay out for is public liability. A restaurant full of customers may be the sign of a successful business; however, each person represents an insurance risk through any injury they may sustain on the premises. Restaurant Insurance policies can also cover the buildings, stock, money, employers’ liability and even the loss of liquor license.

Claims examples

  • A customer cuts themselves on a chipped glass that they have been given by the bartender and sues for the medical distress.
  • A customer slips on the wet floor of the bar after it has been cleaned and there is no wet floor sign, and sues for damages. Restaurant insurance would cover the legal costs.

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