Choosing the right insurance policy for your restaurant can be a complex task. With so many options available, it can be difficult to know which types of cover are right for your business. At Aldium, our hospitality division understand the unique risks that restaurants face and we specialise in helping restaurant owners find the right insurance coverage at the best price.
By working with us, you can be confident that you are getting the protection your business needs at a price that fits your budget.
We compare a wide range of restaurant insurance policies from top-rated carriers, so you can be sure you’re getting the best cover for your business at an affordable rate.
Contact us today to learn more about how we can help you protect your restaurant and give you peace of mind knowing you are covered.
Public liability for restaurants covers claims made against you if a member of the public gets hurt or injured when they’re on your premises due to negligence. And extends to include any allegations of food poisoning
Employers’ Liability Insurance
If you have full-time, part-time or temporary staff then employers’ liability insurance is a legal requirement and covers against injury claims from staff.
Business Interruption Insurance
Help if you suffer from an incident such as a fire or flood which closes your doors whilst repairs or refurbishment is carried out to keep your income protected.
Covering robbery during business hours or cash in transit to and from the bank, also theft of cash left in the tills overnight or in a locked safe, subject to specified amounts
Fridge & Freezer Breakdown
Covering your fridges & freezers against breakdown or failure of the power supply and any subsequent contamination of stock.
And many more!
These are just some of the covers that can be included in a restaurant insurance policy. Call one of our experts today for your own free review of your needs and protect your business.
The cost of restaurant insurance can vary depending on a number of factors, including the size and type of your restaurant, the level of cover you need, and your location. Some common factors that can affect the cost of restaurant insurance include:
The type of restaurant: The type of restaurant you operate can play a significant role in determining the cost of your insurance. Fine dining restaurants, for example, may require more coverage than fast food restaurants.
The size of your restaurant: Larger restaurants typically require more cover than smaller ones, which can affect the cost of your insurance.
The location of your restaurant: Restaurants located in high-risk areas, such as areas prone to natural disasters like flood, may have higher insurance costs than those in low-risk areas.
The cover type you choose: The level of cover you choose can also affect the cost of your insurance. For example, a basic general liability policy may be less expensive than a comprehensive policy that includes property damage and loss of income coverage.
Your claims history: Your claims history can also impact the cost of your insurance. A history of frequent or large claims can make your insurance more expensive.
The average cost of a restaurant insurance policy can range from a few hundred pounds to several thousand pounds per year. To get a more accurate quote of what restaurant insurance will cost for your specific business, it’s best to contact us on the below link.