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Restaurant insurance
Comprehensive coverage packages crafted specifically for restaurant businesses
Shield your restaurant business from significant financial losses
Focus on growing your restaurant business without constantly worrying about potential risks
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of insurance specialists to find competitive cover
We work with a range of insurers from household names to small specialist insurers to find the best policy for your business.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
Search the market
We identify the policy that best suits your business requirements.
Your business insured
Complete your hospitality insurance purchase online in minutes or over the phone.
Get a quote
What's the purpose of restaurant insurance?
From kitchen fires to customer injuries and food-related illnesses, there are daily risks involved with running a restaurant. All it takes is a single unforeseen event to cause all your hard work to come tumbling down. At least, that’s the case without insurance. You could face costly disruptions and legal claims on your own. Even the best-run establishments can face claims or emergencies beyond their control.
Having the right restaurant insurance ensures you’re financially protected. Think of it as an essential safeguard, one that keeps your business running smoothly – no matter what challenges arise.
Benefits of restaurant insurance
- Financial security: Unexpected incidents – such as fires, floods, and theft – can trigger significant expenses for your restaurant. Insurance covers repair costs and compensation claims to directly avoid this financial strain.
- Stock and equipment protection: Restaurants naturally rely on kitchen equipment and perishable stock. From breakdowns to spoilage caused by power failures, coverage guarantees minimal financial loss and operational disruption.
- Business interruption support: Imagine your business must temporarily close due to something like a fire. Business interruption insurance covers lost income, meaning your restaurant recovers financially while repairs are completed.
- Employers' liability: A restaurant cannot run without staff. The right insurance not only protects your business against workplace injuries, but it’s also a legal requirement. Avoid legal fees and regulatory fines.
- Public liability: Say a customer experiences food poisoning or an allergic reaction. Restaurant business insurance can cover legal fees and compensation, which naturally protects your reputation in the process.
What restaurant insurance covers
Public liability insurance
Protects against claims resulting in customers either being injured or having their property damaged in your restaurant. Covers accidents like slips, burns, and food-related incidents.
Employers’ liability insurance
A legal requirement when employing staff, this covers workplace injuries and illnesses. Without it, you risk significant fines and legal action from employees hurt on the job.
Stock and equipment cover
Protects everything from refrigeration units to stock from theft, damage, and mechanical failure. Guarantees quick replacements to prevent costly downtime and stock losses.
Product liability insurance
Covers legal costs and compensation if a customer experiences harm due to food contamination, mislabelled allergens, or improper handling. Insurance prevents financial losses from claims.
Business interruption insurance
If an unforeseen event forces your restaurant to close temporarily, this covers lost income. It bridges the financial gap while getting back to normal operations.
Loss of licence cover
Lose your restaurant licence and wave goodbye to your ability to trade. This coverage offers support when your licence is lost, when you are not personally at fault.
Insurance costs for restaurants
There is no definitive answer about the cost of restaurant insurance. As you might expect, a small café will pay less than a high-end eatery serving alcohol. That’s because the cost of insurance depends on factors such as: Business size
- Location
- Staff numbers
- Equipment value
- Claims history
- Coverage level
In general, basic policies begin around the ÂŁ500 range annually. This can extend into several thousand pounds when more comprehensive coverage is necessary. Comparing quotes from different insurers is recommended to secure the best possible deal.
Find the right insurance for your restaurant with Radius
Choosing the right restaurant insurance doesn’t have to be complicated. At Radius, we do the heavy lifting on your behalf. We work with a panel of 120 insurers to find custom cover that fits your business. Our specialists assess and understand your risks, meaning you get the right protection – and avoid paying for unnecessary extras.
With over seven decades of industry experience, we give restaurants the confidence they’re fully covered for any potential issues. Contact us today for expert advice and a personalised insurance solution.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0333 070 5876. We’re here to help you with any questions or concerns you may have.
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Why choose radius?
Our international presence impacts over 470,000 businesses across five continents.
Expertise
Our team has over 36 years of experience helping more than 470,000 customers globally
Trust
We are an internationally-acclaimed provider with numerous awards for our products and services.
Choice
Choose from our range of fleet, mobility and connectivity solutions that can be tailored to suit your needs.
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Can’t find what you are looking for?
Need help? The customer support team at Radius operates across more than 50 offices worldwide, providing local contact with a global presence. Let us know how we can assist you.
Radius Business Solutions (UK), a trading name of UK Fuels Limited, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions Limited is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.