Restaurant Insurance UK

Restaurant & takeaway insurance from a specialist UK broker

Premier Insurance arranges cover for hundreds of UK restaurants, takeaways, gastropubs, cafés, late-night venues and multi-site groups. Hospitality is one of the highest-claim categories in the UK insurance market — fire, escape of water, food poisoning, allergen claims, employee injury and theft account for the bulk of losses — and the wrong policy can void a claim on a single non-disclosure.

Restaurant-specific cover we arrange

• Buildings & landlord-style structural cover if you own the unit, or tenants' improvements if you lease
• Contents, stock (chilled & frozen) and equipment breakdown — walk-ins, combis, pass equipment, EPOS
• Public & products liability £5m–£10m including food poisoning and allergen claims
• Employers' liability £10m covering FOH, kitchen, KP and delivery staff
• Business interruption on a gross-profit basis with an indemnity period of 18-24 months
• Loss of licence — critical for late-night venues
• Money & assault cover for cash on premises and in transit
• Delivery rider / hire-and-reward endorsements where you run your own delivery
• Cyber covering EPOS breach, booking-platform downtime and customer-data loss

Typical restaurant insurance pricing in 2026

• Small café (under 30 covers, day trade only): £52.00–£95.00/mo
• Casual restaurant (40–80 covers, licensed): £125.00–£240.00/mo
• Late-night restaurant (open past midnight): £210.00–£420.00/mo — late hours add 25–60%
• Gastropub with letting rooms: £280.00–£550.00/mo
• Multi-site (3–10 units): typically 15–25% saving on a group policy vs individual

The six disclosures restaurant owners get wrong

We've written a full guide on this — the most common claim-voiders are late hours (anything past 11pm requires disclosure on most policies), shisha or charcoal cooking, basement or first-floor kitchens, unrated EWS1 cladding on the building, previous fire claims at any operation under the same directors, and cash-handling above £1,000 on site. Get any of these wrong on the proposal form and a six-figure claim can be reduced to zero. Read our restaurant disclosures guide for the full breakdown.

Allergen and Natasha's Law claims

Since the introduction of Natasha's Law in October 2021, allergen labelling errors are a top-five claim category for casual restaurants. A single sesame-seed mis-label leading to anaphylaxis has produced claims in the £180k–£450k range, and insurers expect to see your allergen matrix, PPDS labelling system, and staff training records at proposal stage. We help you present these properly to keep premiums sensible.

Call 020 8908 2426 or message us on WhatsApp for a tailored quote.