Restaurant Insurance

The nature of running a small restaurant business comes with lots of risks for you and your customers. For example: 

• Food poisoning from the food you’ve provided  
• Accidental fires caused by fryers 
• Slips on greasy or wet floors, causing injury 

Not only do you need cover to protect your staff, but also your customers, your premises and your bank account as you could face hefty legal fees should the worst happen. Without sufficient business insurance for a restaurant, you could end up paying out of your own pocket if someone makes a claim against your business. 

This really depends on the insurance covers you take out, but even if you have sufficient coverage, not all events may be covered, including: 

• Deliberate acts that lead to illness or injury 
• Deliberate acts that lead to fire or theft 

Always refer to your policy wording to see what’s included and excluded.

Prices could start from around £2.01 per day*.

But no two insurers are the same, and the following may affect the price of your premiums:   

• Type of restaurant - The type of restaurant you run may affect the cost of your premiums. For example, a fine dining restaurant may have different risks compared to a curry house, affecting how much you might pay. 
• Where your business is located – Having a business in an area with high crime rates or a history of claims may lead to higher premiums. 
• Extent of cover - The more additional cover you opt for, the more expensive it’s likely to be. 
• Your claims history - A history of many or large claims could increase your insurance premiums. Insurers may view your business as a higher risk, which may lead to increased costs for cover. 

Because every restaurant is unique, it's best to speak to a broker to find out your restaurant insurance costs. Start a quote online and get in touch with a member of our insurance team to find out how much you’re looking at paying for an annual restaurant insurance policy.  

_{*This price is for a restaurant customer  – 10% of customers who were sold with one of our panel providers paid £733.17 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £60.11 a month or £2.01 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

Insurance can be a big expense for small restaurant businesses. But, there are several ways you could lower your premiums without compromising on the protection your business needs. Here are some ways you may reduce the cost of your business insurance: 

• Safety and security features - Installing safety and security measures such as fire alarms, extinguishers, CCTV and secure locks could help protect your premises and may reduce the likelihood of claims for theft, fire or damage. 
• Compare quotes each year - Insurance costs can vary between providers. Comparing restaurant insurance quotes using a comparison site, like Bionic, each year may help you ensure you’re not paying more than necessary for coverage. 
• Use an insurance broker - Our insurance brokers can help you compare cover options and find competitive prices from our panel of trusted insurers. 

With cover in place, your business could be protected from claims made in many situations, for example: 

• An employee slips and burns their hand on a hob  
• A waiter spills scalding soup on a customer, causing an injury 
• A customer with a peanut allergy suffers a reaction to food they were told was safe to consume 
• Your restaurant suffers a flood, and you can’t operate 

As every insurer is different, always refer to your policy wording for details of what’s included.

At Bionic, we champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help you find coverage for your needs. 

Our UK-based team helps business owners daily to carry out a business insurance comparison to find the right insurer that fits. Get in touch with us today by starting a quote online.