Restaurants face a unique set of risks, from food contamination and customer injuries to kitchen fires and equipment breakdowns. Insurance provides a financial safety net in these situations. It protects your business from crippling losses, covers legal costs, and ensures you can recover quickly from unexpected events.
The essential types of insurance for restaurants include:
Restaurant insurance policies can be customised, but common coverage includes:
While not always mandatory, professional indemnity insurance is highly recommended for cafes. It protects you against claims of financial loss or damages due to alleged errors, negligence, or misleading advice in your services (e.g., incorrect nutritional information on a menu).
Yes, insurance needs vary based on a restaurant’s size, location, and specific offerings. For example: