Restaurant Insurance
For those who work in hospitality…
…welcome in great protection with open arms
We work with leading insurers to deliver you results.
Intro
When you work in hospitality, your main concerns should be to protect your income, your premises, and most importantly, your staff and customers. In this public-facing industry, disaster can strike at the most unexpected of times and could prove catastrophic to the running or reputation of your business.
At Full-Time Cover, we can ensure that you’re covered against a wide range of risks specific to your industry, all under a sole policy. We understand that when working in this industry you don’t get a lot of spare time to dedicate to admin, so let us take this out of your hands.
Our 3 step guide to ensuring you have the right cover in place:
- Taking time to understand your business
- Go to market once with a full presentation that best reflects you
- Find the best deal available and present it back to you
By speaking to our experienced team you avoid the risk of nasty surprises later on. We’ll work with you to identify and manage the risks specific to your business and then arrange a policy that works to mitigate these risks. No two establishments are the same, so we certainly won’t take a one-size-fits-all approach to your business.
20% of ALL Profits go to These Charities
What are the types of cover?
This is one of the top priorities for our customers. Claims regarding restaurant customers are varied and extensive, and can often amount to thousands of pounds. Whether it’s a customer catching their suit on a loose-fitting and complaining to a serious fall, public liability insurance is the only way to fully protect your customers and your business. Could you afford to defend a claim amounting to tens of thousands plus legal expenses without it? Likewise, should a customer get ill from your food, even just defending yourself can be an expensive cause with legal expenses?
Kitchens can be a hazardous place and Employers Liability insurance keeps staff protected should they suffer an injury at work.
This is required by law if you employ anyone other than your immediate family. Did you know you can be fined up to £2,500 a day for each employee if you don’t have this in place?
Of course, buildings insurance is only necessary if you own the building. However, many restaurants will make considerable tenants improvements to create the atmosphere they need for their customers. Also, many may have artwork, and other decorative items that can amount to a substantial sum if there happened to be a fire or theft. Think about your electrical appliances and cooking equipment if there was a flood. Many policies can replace old for new in these circumstances. Your business can be protected from a wide variety of circumstances. With contents insurance, you’ll also need to factor in the sums insured relating to your stock, and what these sums insured may look like at your peak season. Remember, the sums insured are based on trade cost, not retail price – so bear this in mind when you work out the values. Many restaurants now have accommodated outside eating, with marquee or patio heaters.
This is to help cover any loss of income if your restaurant has to be closed for any period.
Business Interruption insurance is usually sold in 12, 24, and 36 month periods. Typically, most often for restaurants, it is 12 months, but bear in mind, if you have a particularly large restaurant, for example, you may well need longer.
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FAQs
Yes, as standard our policies cover replacement of food in the event of your freezer breaking down and the food becoming spoiled.
Yes, please ask about our flexible payment plans.