Restaurant Insurance Quotes 

Are you looking for insurance for your Restaurant?  
 
Send us you name and address on the form to the right and we will call you, discuss what you might need and find and insurer that's suited to your specific requirements, its as simple as that and all at best prices. 
 
We can help you find a policy with the covers you require.  
Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information and in addition to this we can offer health and safety advice and risk management information. 
 
We remain your sole contact throughout the term of your contract and we are actively involved in dealing with and resolving complaints before they lead to claims against you as well as always being on hand to assist with any mid term adjustments and changes you may need to make as and when they occur. 
 
Town & Country are an independent brokerage focusing on our clients needs. 
Our aim is to understand our clients insurance requirements taking into account the needs of the sector and we take the time to listen to you and deliver the right cover at the right price. 
 
We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

Restaurant Insurance Quote Request 

Restaurant Insurance Policy Information 

Running a restaurant can be a rewarding business, but it not without its risks. You may be frustrated by using the online comparisons and wish to speak to someone about your insurance needs. So at Town & Country we have become familiar with these risks and consider ourselves to be experts in establishing the right policies for the right businesses. 
 
Why would you need cover?  
To ensure that you are able to continue your business if something unexpected happens. We are skilled at evaluating risks such as  
Your location. 
Are you at risk of flooding? 
Heat and fire risks. 
 
You will need cover if you harm a customer by accidental poisoning or by a slip/fall, this cover is referred to as Liability Insurance and is applicable to staff in the form of Employers Liability and members of the public in the form of Public Liabiliy. 
 
If the building burns down will your stock be covered? 
 
If you are robbed will the cash in your till be covered? 
 
Many policies contain small print which you can inadvertanly be in breach of and it prevent claims form being settled, our staff will talk to you and explain teh endorsements different insurers use and ensure you can operate inside the warranties and thus be fully covered. 
 
Cover Options Available 
Employers Liability - £10 million covering full or part time employees 
Public & Products Liability - £2 million with the option to extend to £5 million or more. 
Property & Stock Damage - covering your buildings, contents and stock to include accidental damage. 
Business Interruption 
Money 
Directors & Officers - provides personal liability protection for directors and officers of your business, this again is an extension or sometimes a separate policy. 
Deterioration of Stock 
Legal expenses cover - Covers you for employment disputes, employment awards, health & safety prosecutions and tax enquiries and disputes 
 
The Buildings & Contents of the Premises 
Your contents (and if selected buildings) are insured against loss or damage caused by a standard range of insured risks normally associated with your trade including Accidental Damage. In addition cover is automatically extended to include: 
 
Damage to Underground Services 
Trace and Access costs 
Removal of Debris costs 
Architect and Surveyors Fees 
Automatic Reinstatement of Sums Insured 
 
Money and Personal Accident (Assault) 
Covers your business money In transit, on premises during business hours,or in a bank night safe, in the business premises when closed for business or in the private dwelling. 
 
Glass Breakage 
Damage to fixed glass and fixed items of sanitary ware. 
Personal accident (assault) 
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000 
Total uninterrupted Disablement (up to 104 weeks) £100 per week. 
 
Employers' Liability 
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims. 
 
Public Liability 
Similarly to Employers' Liability this covers any injury or illness that any member of the public may incur due to partaking in your services or that is in some way your responsibility. Unlike Employers' Liability this is not required by law, although it is a very good idea for anyone in the leisure industry to have public liability. Without public liability the company, or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well. 
 
Business Interruption 
If for any reason the general day to day workings of the office are interrupted which results in a loss of income you will be covered. Business interruption cover will pay equal to the average income that is lost by the interruption of business. Cover may be considered on a loss of gross revenue basis or a gross profit basis, sometimes as an alternative Increased Cost of Working only cover is taken. 
 
Equipment Breakdown 
The policy can be extended to cover damage and any subsequent loss of income caused by Breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy: 
 
Commercial Legal Protection 
Employment Disputes & Employment Compensation Awards 
Legal Defence 
Contract Disputes 
Property Protection 
Bodily Injury 
Debt Recovery 
Tax Protection 
Restaurant Insurance Quote
Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate. We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
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