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Restaurants Insurance

Top Marques Insurance loves their food! We also love our restaurateurs and strive to make restaurant insurance as simple as possible. Eating out is becoming more and more accessible and common in today’s culture but the wealth of choice, combined with today’s money conscious public and constantly spiraling costs means margins are constantly squeezed to retain competitive meaning obtaining quality catering insurance cover with a keen premium is a must.

Trust in Top Marques to look after your insurance needs, and we can approach a panel of insurers on your behalf to obtain the best cover at a price you can afford, saving you valuable time and money. With over 40 years’ experience in commercial insurance, you can trust in us to find you the right combination of price and quality of cover with a bespoke quotation.

It’s not only Silver Service Restaurants that can benefit from our wealth of experience, we also ‘cater’ for all dining trades and can instantly quote for all food establishments including..

  • Cafes
  • Restaurants
  • Chinese/Indian Takeaways (licensed or unlicensed)
  • Sandwich/Snack Bars
  • Burger Vans
  • Fish and Chip Shops including Kebab and Southern Fried Chicken
  • Bistro’s/Wine Bars
  • Pubs/Clubs (with or without dance floors, entertainment and children’s play areas)
  • Hotels
  • Party Planners and Event Caterers
  • Catering franchises at swimming pools/golf clubs/hospitals and the like
  • Sweet Shops
  • Coffee Shops
  • Cake Makers, Designers and Decorators

All catering trades offer something different, and all have different insurance requirements, so at Top Marques, we can tailor a product to match your individual needs and below give some examples and explanations of some of the most important extensions available

  • Public liability - This would cover your business if a member of the public suffered a loss or injury as a result of your business activities. ‘No win – No fee’ solicitors advertise daily, making potential claims easier to make, and for more and more frivolous things. The public liability insurance would cover the compensation payment plus any legal costs incurred.
  • Employer’s liability - If you employ staff, you are legally required to have employer’s liability insurance. It will pay the cost of a claim (including rehabilitation costs, defence costs and legal fees) from an employee who has been injured, or who has become seriously ill as a result of working for you.
  • Stock cover - Stock insurance policy will cover the cost of replacing your stock if it is damaged, destroyed or stolen as the result of an insured incident. Different types of store have different requirements, as stock can be used and replenished quickly, especially if is fresh foods. It pays to keep your insurer fully informed of any chilled cabinets used for storage. Frozen and chilled foods can be covered against freezer breakdown or loss of power resulting in spoilage.
  • Buildings insurance – Should you own your premises, buildings cover is a must. It pays out on claims for damage to the building your business is based in. Policies can be extended to cover accidental damage, subsidence and terrorism. Also, should you let out part of your property to a residential tenant, (such as an upstairs flat) it is imperative you advise your insurer not only this, but also the type of tenant (working, retired or D.S.S.) to ensure your cover is arranged correctly.
  • Contents insurance - You can insure the contents of your business premises against loss, damage, or theft. Accidental damage is a further option, along with extended cover away from the premises, (UK or Worldwide) with some insurers even covering your business equipment and apparatus against mechanical breakdown.
  • Fixtures & fittings - While contents insurance covers your possessions, you can also opt to take out fixtures and fittings insurance to cover fixed items such as carpet or flooring, kitchen units, shelving, counters and the like. Should you lease the property, your landlord may also (as part of your lease) insist you cover certain fixtures and fittings.
  • Shop front, sign and glass cover - This insurance covers your shop front including the glass as part of the windows, awnings and signage. Roller shutters and bespoke signage (Neon, LED/LCD) can also be incorporated. Again, most landlords insist you cover the glass as part of your tenancy.
  • Loss of licence – Should your establishment be licensed to sell alcohol, this provides cover for loss of business value and gross revenue should the renewal of your licence be refused. (Loss of licence as a result of illegal acts is excluded, such as sale of alcohol to minors)
  • Business Interruption cover - If your business is unable to trade due to an insured incident such as fire or flood, this can recover lost revenue or profit during the period your shop was unable to trade or provide cover for ‘increased cost of working’.
  • Money cover - Provides cover while on the premises, at home overnight or in transit. Limits do apply to cash left overnight and a safe may be required.

Click on the link opposite for an instant commercial restaurants insurance quote or call the team now on 01543 373700 to speak to one of our skilled team of advisors.

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