Restaurant & Takeaway Insurance
Restaurant & Takeaway Insurance — Cover for Hospitality Businesses
Restaurant insurance provides essential protection for restaurants, cafes, takeaway operators, and hospitality businesses against accidents, damage, and liability claims. Despite your best efforts to manage every detail, accidents can occur — a customer slipping, a kitchen fire, food contamination, or staff injuries. Having the right insurance in place protects your business, your staff, and your customers.
At UK Sure, we provide insurance specifically designed for restaurants, cafes, takeaway operators, and hospitality business owners. Our policies cover public liability, employer's liability, product liability (including food poisoning and allergic reaction claims), stock and contents, buildings cover, business interruption, and kitchen equipment. We cover gastropubs, bistros, pizza shops, pop-up eateries, and all types of food businesses. If your takeaway runs its own delivery drivers, they will also need fast food delivery insurance on each vehicle.
Whether you run a single restaurant or a chain of takeaways, UK Sure will find the right cover.
Get a quote online or call us on 01323 416706.
Why Our Restaurant & Takeaway Insurance
What's NOT Covered
Key Features of Our Restaurant & Takeaway Insurance
Running a restaurant means managing risks from kitchen fires to food contamination claims. UK Sure provides specialist hospitality insurance that covers the risks your business faces every service.
Product Liability Included
Covers claims from food poisoning, allergic reactions, and contamination — essential protection for any business serving food to the public.
Kitchen Equipment Cover
Protect your ovens, fryers, refrigeration, and specialist kitchen equipment against fire, theft, and accidental damage.
UK Sure works with specialist hospitality insurers who understand the food industry. Whether you run a fine dining restaurant or a takeaway, our policies cover the specific risks of preparing and serving food to the public.
Frequently asked questions
1. What is restaurant insurance?
Restaurant insurance is a specialist policy designed to protect hospitality businesses from risks like customer injury, food contamination, kitchen fires, and staff injuries. It typically includes public liability, product liability, and employer's liability. Call 01323 416706 for a quote.
2. Is public liability mandatory for restaurants?
Public liability is not legally required, but it is strongly recommended. It covers claims from customers who may be injured or suffer loss on your premises. Most landlords and licensing authorities expect you to have it.
3. Does it cover food poisoning or allergic reactions?
Yes. Product liability insurance, usually included in restaurant policies, covers claims related to foodborne illness or allergic reactions caused by food you serve.
4. Do I need employer's liability insurance?
Yes. If you employ staff — whether full-time, part-time, or casual — employer's liability insurance is a legal requirement in the UK. Call 01323 416706 to ensure your policy includes it.
5. Can I insure outdoor dining areas?
Yes. Many insurers offer coverage for outdoor spaces including beer gardens, terraces, and pavement dining areas. You must disclose these areas to ensure proper protection.
6. What types of food businesses do you insure?
We insure restaurants, cafes, takeaways, gastropubs, bistros, pizza shops, pop-up eateries, food courts, and all types of hospitality businesses. Tell us what you operate and we will find the right cover.