Who needs Restaurant Insurance?
Running a restaurant comes with its own set of challenges and that’s without thinking about insurance. If a member of the public slips on your premises, or if one of your staff injures themselves at work you could face legal action leading to legal fees or compensation. Could you afford to pay these and keep on with business as usual? What if you have to close down while court proceedings take place? This could be financially crippling without even thinking of what it could do to your reputation.
Real Insurance Brokers can cover you against all these risks so you just have to concentrate on what you do best; running your restaurant. Insurance can also be put in place to protect you against loss if you have to close your premises temporarily due to an insured event, for example due to storm, flood or fire.
What cover does a Restaurant Insurance Policy Provide?
Working in a busy, hectic environment can leave you open to all sorts of risks and possible insurance claims. At Real Insurance Brokers we understand this and can arrange your cover to include:
Buildings and content – Whether owned or leased?
Public Liability Insurance – This can cover you in the event of a member of the public hurting themselves, or worse on your premises.
Product Liability Insurance – Providing cover if a customer was taken ill due to your food.
Employers Liability Insurance – If a member of your staff was injured when on the job, this can cover your legal fees or any compensation you have to pay out.
Contents Insurance – Whether it’s a state of the art piece of kitchen equipment or a set of dining tables and chairs, replacing goods and decor can be expensive, let alone replacing an entire restaurant. This can also be arranged to cover your home contents too if you live at your place of work.
Loss of income or Business Interruption as it is better known – If you have to close after an insured accident at your business premises, this can help cover your bills and continue to pay your staff
Cover can also be arranged to protect you against
Loss of License
Theft by Employees
Damaged or unusable stock
Why Compare Restaurant Insurance with Real Insurance Brokers?
Real Insurance Brokers makes it easy for licensed premises owners to buy insurance for their business.
Why not speak to one of our experienced team, we aim to give you the best Insurance cover at the right price?