At The Business Octopus, our personalised business insurance policies are designed to allow you to add, remove, increase, or decrease all areas of your insurance policy. You will be able to put together a bespoke restaurant insurance policy, to the way you want it. All the essential cover you will need in one business insurance policy.
As a restaurant owner, you will not want to worry about the possible loss, damage or theft from your premises. Alternatively, you could worry about expensive claims because of an employee or member of the public being injured within your premises. Working in a profession that has many risks for instance assaults on your staff, theft within your business premises or if you prepare or serve food a customer may decide that they have suffered ill health arising from the consumption of your food, a personalised business insurance policy for your restaurant will keep you financially covered.
With such a varied range of restaurants, we have taken the time to bring together a panel of insurers that can provide a range of insurance liability cover. We can personalise your restaurant insurance to your exact needs, increasing and decreasing levels of cover as required.
Why do I need business insurance?
You need to have the right insurance package at the right cost for the right insurance and The Business Octopus will endeavour to put a tailored business insurance package together for your business needs. This can include:
Public Liability cover protects you if one of your customers or member of the public is injured, or their property is damaged. Public liability insurance protects you against the cost of repairs or any legal proceedings that may be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request subject to insurers terms and conditions.
Employers Liability insurance cover is for you if you have one or more employees and then by law, you are required to have employers liability insurance. Employers Liability cover, is a standard £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.
Contents cover can protect trade contents, stock, customer goods, staff and customers personal effects, fixtures and fittings, computer and electronic business equipment. Malicious damage and theft can also be included.
Buildings cover can protect the building should you own the property.
Loss of Licence covers you for loss of your licence due to a circumstance outside of your control.
Personal Accident cover will help with your financials should you be injured whilst working. The cover will help for a specific period of time that you are unable to work. The policy cover does carry limitations and policy restrictions and can cover up to five employees. Personal Accident cover can be used as an employee benefit.
Further optional add-ons include deterioration of stock, business interruption, legal expenses, theft by staff and more are available.
How do I buy my Restaurant Insurance?
There are various options available to obtain a quotation and purchase your business insurance.
- Compare quotes online from up to 20 UK insurance providers
- Speak to one of our UK insurance specialists on 0161 968 2041 or request a call back
- Purchasing your insurance is easy with flexible payment options which can be discussed with your insurance specialist or with our new business team on 0161 968 2041
- You will receive same day immediate cover and your documents will be sent to you via email