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If you manager or the owner of a restaurant having sufficient insurance in place is essential to your business. Good restaurant insurance will protect you, your stock, staff, building and contents, and your liability exposure.
Restaurant insurance is the financial protection food entrepreneurs need so they can serve the public for many years to come. With the right coverage, the owner and their employees can concentrate on providing quality food and services to the public.
As the name implies, restaurant insurance is made to financial protect restaurant in the ‘just in case’ scenario with one section in the policy mandatory by the UK government. This includes any business that provides food and or beverages to the public. It can be a Fish and Chips establishment, tea houses along with fast food places like McDonalds.
The only legal requirement in a standard restaurant insurance policy is if the establishment has one or more employees, by law the business has to take out employers liability insurance. This is protection to financially cover the costs of an injury or illness by an employee while they are working for the business.
There are two other areas of liability coverage that help protect against claims by the public. These two areas include product and public liability insurance.
These optional covers are to help keep your business running when fire, flood or theft interferes with the normal operations of the restaurant.
Operating a restaurant that deals public daily is all about cleanliness, good food and great service. By keeping the kitchens clean and the equipment well maintained is one way to help reduce the risk of damage to the food and any possible pathogen that might be present. It is also advised to have a backup generator just in case of a power failure so the refrigerators and freezers can keep the food stored in them safe for consumption.
Taking precautions to avoid claims against your restaurant insurance policy will be rewarded by future discounts or only small increases to keep in line with inflation. Making claims against your restaurant insurance policy will see you facingh a price hike on your premium come renewal time.
The right level of restaurant insurance can be the difference in how well and for how long your establishment can operate in the black. Because of this, a tailored made policy by an insurance agent or broker can help meet your needs in a budget you can afford.
We can provide you with comparative restaurant insurance quotes. We provide quotes for all restaurant types, including Cafe’s, Indian restaurant insurance, Chinese restaurant. If simply operate a takeaway then consider a takeaway insurance which is aimed specifically at the every popular local takeaway. If you are a delivery driver then we can also provide hot food delivery insurance.
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