What does restaurant insurance cover?

By May 12, 2021 No Comments


Ingredient 1: Law


What does restaurant insurance cover?


The insurance checklist below will give you a general idea of the cover provided by different types of policies commonly used by small food businesses.  Your business may only need a selection of these. 

    • Material damage – covers buildings, stock, plant and equipment against loss/destruction/damage
    • Fire – loss of premises, furnishings, fittings, equipment and stock
    • Business interruption – loss of gross profit
    • Burglary – if premises were broken into
    • Glass breakage – signs and windows
    • Cash – in transit or on business premises
    • Public/product liability – covers accidental death or bodily injury to any person or damage to property whether caused by owners or staff.  The policy covers negligent conduct on the premises only, e.g. slippery floors, faulty equipment.  A person injured as a result of the business can sue you for damages
    • Electrical/mechanical breakdown – against unforeseen physical damage, e.g. refrigeration equipment
    • Computer and electronic damage 
    • Comprehensive motor vehicle – against damage and theft
    • Goods in transit – accidental damage
    • Personal accident and illness – cover self
    • Workers compensation – if employ workers it insures you against claims, injury, death and disease.

You must be covered for claims both from customers and from people working with you.  Food poisoning doesn’t happen very often, but even the most careful food operator can be sued for causing illness.  Waitstaff could break an ornament or damage a piece of furniture in your client’s home and you could be liable;  someone who is working for you could hurt themselves in the kitchen. 


For a low investment:

  • User-friendly eGuide – How to Keep Within the Law
  • Online Workshop: Restaurant & Cafe Entrepreneurs:  ‘Open’ for Business for new and existing hospitality owners (8 evenings Tues and Thursday or 4 Saturdays) 


  • Webinar: Restaurant & Cafe Entrepreneurs: Hospitality Business Startup. (A snippet of what’s involved) (1 evening).
  • BLOG articles
  • Monthly ‘Recipe for Success’ Newsletter
  • FAQs


4 Ingredients:

Business – keep within the law

Marketing – increase sales and make more profit

Operations – controls to save time and money

Ideas – keep your customers coming back



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