Restaurant insurance

Yes! Restaurant insurance is vital for protecting your business from potential risks, such as accidents, property damage, or legal claims. It provides you with peace of mind, allowing you to focus on delivering exceptional dining experiences to your customers.

At Premierline, we offer flexible restaurant insurance that can be as simple or comprehensive as you need depending on the size of your restaurant . When deciding what restaurant insurance you need to protect your business, you should consider the following:

• Public liability – for injured guests or damage to their property.
• Employers’ liability – to protect your employees.
• Buildings cover – to cover for loss or damage to your building.
• Equipment, contents and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
• Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.

More information

The cost of restaurant insurance varies depending on factors like the size of your restaurant, the scope of coverage, location, and your claims history. At Premierline, we work with multiple insurers, allowing us to find the best insurance solutions tailored to your budget.

When you choose Premierline as your insurance broker, you’ll benefit from:

Expertise: Our experienced team understands the unique risks faced by restaurants and we can recommend the most suitable coverage options for your business.

Trusted Insurers: As a broker, we have access to a wide range of insurers and can compare multiple quotes to find the most competitive rates for your restaurant insurance.

Tailored Solutions: We work closely with you to understand your specific requirements and tailor insurance packages that provide comprehensive coverage while fitting within your budget.

Exceptional Service: At Premierline, we pride ourselves on delivering outstanding customer service. Our dedicated team is here to support you throughout the insurance policy.

Ongoing Support: As your business evolves, we’ll review your insurance needs and ensure that your coverage remains adequate. We’re committed to building long-term relationships with our customers.

At Premierline, we proudly serve all types of restaurants, including fine dining establishments, cafes, bistros, fast-food outlets and more. No matter the size or cuisine, we have the expertise to protect your restaurant effectively.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.