When it comes to your licensed or non-licensed restaurant insurance, from business interruption through to your liabilities we have you covered

With a range of our optional covers available, our competitive restaurant insurance covers are adapted to suit your business needs. That way, you only pay for the cover you need.

We work alongside UK’s leading insurers to meet the needs of restaurants of all sizes across the UK.

Restaurant Insurance key features

  Standard – increase cover limits  Optional – extend your cover
Public Liability

for injury to the public or damage to their property

Product Liability

covers you in the event your product (food or drink you serve) causes injury or damage to a person or their property

Employers Liability

will help you pay compensation if an employee is injured or becomes ill because of the work they do for you on and off site

Business Interruption

covers you for loss of profits following an insured loss

Content and Stock

content and stock cover for your restaurant

Deterioration of Stock

covers your perishable stock following the breakdown of your freezer or refrigeration

Buildings Insurance

covers the property itself, such as the roof and slates, fixtures and fittings and any outbuildings should you need to rebuild it

Legal Expenses Cover

designed to cover the costs of defending legal claims made against you and your business

Frequently Asked Questions

You can find the answers to our most frequently asked questions below.

Why do I need insurance?

Running a business is risky. Insurance is there to protect your business from risks, claims and losses. Every day we learn about fires and other incidents that rip businesses apart, having insurance in place helps businesses get back on their feet quickly.

By law as an employer there are financial obligations to compensate your employees and customers that can only be met through an insurance policy. My Business Cover offer restaurants a package tailored to their specific needs all in one policy. If you’re unsure about your insurance needs or if there is anything you do not understand please contact a business insurance specialist at My Business Cover.

My Business is a start-up – can I still get cover?

Yes you can.

If I find a lower quote would you be able match or even better it?

If you already have obtained a quote elsewhere, please contact us with your quote request. Please have your current target premium to hand in order for us to provide you with a competitive quote. We then approach underwriters on your behalf.

What is the policy duration?

The policy has a 12 month period of insurance (unless shown differently on your policy schedule) and is renewable every year.

Am I covered instantly?

Once you have submitted your proposal form and having conducted a fair analysis of the market from our panel of insurers we seek to obtain the most appropriate terms on your behalf.

Once we have confirmed that you are covered and your policy is live, you are insured from that point onwards. We then issue you with your policy documentation and our information sheets as downloadable PDF’s. Unless requested, we don’t send out any paper documents, but you are able to print everything as backup to refer back to in the future.

Can I spread the cost of my policy?

Yes, there is an option of making your annual premiums/fees affordable by spreading the payment over monthly instalments. To find out more about this option please contact us

How do I cancel my policy?

If you decide to cancel your policy, just let us know.

You’ll receive a full refund if you cancel your cover within 14 days of setting it up (the ‘cooling-off’ period).

After this period, you may cancel your policy by giving us 30 days written notice of your intention to do so. The insurer may cancel your policy by giving us written notice; the duration of which will be detailed in the policy wording.

Beyond the 14 day cooling off period, cancellation terms may differ between insurers. Some insurers may be willing to return a pro-rata premium of up to 3 or 6 months after inception of the policy. However, after this period no refunds will be given. Any refunds may take up to 60 days to process.