Protecting the health of your business is an important thing to do especially when your reputation relies on it as it does for pubs and restaurants. Some of the covers that are essential for pubs and restaurants are public liability insurance to protect you from third-party claims for injury or damage, and products liability to protect you from claims of your product causing harm. There are also many other types of insurance that can be combined into a single policy, as we have explored below.
The table below gives a quick comparison of the top UK providers for pub and restaurant insurance.
Company | Minimum cover | Maximum cover |
---|---|---|
Aviva | Not stated | £5 million |
RSA | £2 million | Not stated |
Zurich | Not stated | £5 million |
Allianz | Not stated | £10 million |
NFU Mutual | Not stated | £10 million |
Lloyds Banking Group | Not stated | Not stated |
Liberty Mutual | Not stated | Not stated |
ARO Insurance | £2 million | £10 million |
Versatile Insurance | Not stated | Not stated |
Touchstone Underwriting Limited | Not stated | £10 million |
* The facts and figures included here come from each company’s website and were accurate at the time of writing but may have since changed. Also, please keep in mind these may not be apples to apples comparisons as each provider offers different solutions. This guide should be used as a starting off point for more research on your part.
Below we profile each of the companies’ services and features in a bit more detail.
Note companies are ranked in no particular order and this no way indicates one solution is better than another.
Topics
1. Aviva
Some of the features and benefits of Aviva’s pub and restaurant insurance.
- Pub, Restaurant and Hotel Insurance
- Suited to individual and multi-location businesses
- Contents
- Business interruption
- Seasonal stock increases
- Money and assault
- Public and products liability
- Legal expenses
- Offers a range of optional cover
- Only available through a broker
Aviva is an insurance provider that offers a variety of specialist business insurance products through a network of brokers. Their product range includes retail and hospitality products such as Pub, Restaurant and Hotel Insurance which is suitable for either individual or multi-location businesses.
Aviva’s Pub, Restaurant and Hotel Insurance offer cover which includes contents, legal expenses up to £500,000, seasonal stock increase, money assault, book debts, property in transit, loss of income, public and product liability up to £5 million. They also offer optional cover of buildings, deterioration of chilled and frozen food, terrorism, employee dishonesty and personal accident.
2. RSA
Some of the features and benefits of RSA’s pub and restaurant insurance.
- Pub, Restaurants and Hotels Insurance
- Designed for small to medium-sized restaurants
- Suitable for public houses and wine bars
- Claim to be competitive
- Covers contents and stock
- Frozen and chilled food
- Loss of licence
- Public, product and employer’s liability
- Business interruption
- Offers a range of optional extras
RSA offers a variety of business insurance products designed as tailored packages for specific trades and professions. Their range of business insurance includes hospitality products such as Pub, Restaurants and Hotels Insurance, which is designed for small hotels, small to medium-sized restaurants, public houses and wine bars.
RSA’s Pubs, Restaurants and Hotels Insurance offers a variety of cover including contents, stock, frozen and chilled food, all risks for goods in transit, loss of licence, outside furniture and business interruption. Also included is £2 million of liability cover for public, product and employer’s liability which can be increased. Optional cover includes tobacco, wines and spirits, buildings cover and legal expenses.
3. Zurich
Some of the features and benefits of Zurich’s pub and restaurant insurance.
- Sport, Leisure and Entertainment Insurance
- Suitable for restaurants and bars
- Covers material damage all risks
- Contents, stock and money cover
- Public and products liability
- Employer’s liability
- Goods in transit
- Business interruption
- Cyber protection
- Only available through a broker
Zurich is an insurance provider that offers a range of business insurance products that are tailored to meet the needs of certain industries and professions. Their products are only available through a broker. Their range includes Sport, Leisure and Entertainment Insurance which covers hotels, pubs, restaurants and catering businesses.
Zurich’s Sport, Leisure and Entertainment Insurance provides cover which includes material damage all risks, contents, stock, money, business interruption which includes disaster recovery provided by First Recovery, goods in transit, cyber protection and liabilities cover. This includes up to £5 million public and product liability and up to £5 million employer’s liability.
4. Allianz
Some of the features and benefits of Allianz’s pub and restaurant insurance.
- Complete Retailer
- Designed for independently owned business
- Includes restaurants
- Trade contents
- Money
- Goods in transit
- Deterioration of stock
- Business interruption
- Public, product and employer’s liability
- Commercial legal expenses
Allianz offers a range of business insurance products through a network of brokers. Their range includes tailored products to meet the needs of specific sectors such as Complete Retailer which is designed for independently owned businesses including restaurants.
Allianz’s Complete Retailer includes trade contents up to £750,000, money theft, goods in transit, deterioration of stock, business interruption with a choice of limit, employer’s liability of up to £10 million, public and products liability of £2 million with the option to increase it to £5 million, and commercial legal expenses up to £1 million. Optional cover includes buildings cover up to £1.5 million, subsistence cover and loss of licence.
5. NFU Mutual
Some of the features and benefits of NFU Mutual’s pub and restaurant insurance.
- Caterers Insurance
- Suitable for restaurants, cafes, pubs and hotels
- Contents and stock
- Money and malicious attack
- Goods in transit
- Employer’s liability
- Public and products liability
- Business interruption
- Environmental liability
- Offers a range of optional cover
NFU Mutual is an insurance provider that is run for the benefit of its members. Their range of business insurance products are tailored to meet the needs of a variety of trades and professions. This range includes Caterers Insurance which is designed for restaurants, cafes, pubs, hotels and guest houses.
NFU Mutual’s Caterers Insurance offers cover including contents, stock, money, malicious attack, goods in transit, employer’s liability of £10 million, public and product liability of £2.5 million which can be extended, business interruption and environmental liability. They offer a variety of optional cover including buildings, deterioration of stock, terrorism, commercial legal expenses, group personal accident and business travel.
6. Lloyds Bank
Some of the features and benefits of Lloyds Bank’s pub and restaurant insurance.
- Pub and Restaurant Insurance
- Covers business of all shapes and sizes
- Flexible policy
- Competitive quotes
- Public liability
- Business interruption
- Stock deterioration
- Quotes available online or over the phone
- UK-based specialist advisers
- Provided in partnership with Arthur J. Gallagher
Lloyds Bank is a financial provider that offers a range of business insurance products in partnership with Arthur J. Gallagher. They offer a variety of business insurance products which includes specialist insurance products such as Pub and Restaurant Insurance.
Lloyds Bank’s Pub and Restaurant Insurance offers competitive products that are flexible in their design to meet your individual business needs. The cover can include public liability cover which protects from third party claims for injury or damage, business interruption insurance, stock deterioration which includes refrigerated and frozen goods and kitchen fires. They have UK-based specialist advisors that will guide and support you.
7. Liberty Mutual
Some of the features and benefits of Liberty Mutual’s pub and restaurant insurance.
- Dedicated Restaurant Insurance
- Tailored cover that caters for independently owned restaurants to national franchises
- Designed to protection your business and reputation
- Industry-specific risk control services
- Cover includes kitchen fires, foodborne illness, slips and falls
- General liability
- Property cover
- Business interruption
- Liquor liability insurance
- Available through an independent agent or broker
Liberty Mutual is an insurance provider that offers a range of business insurance products that comprise of property and casualty insurance for a wide range of industries. Their insurance range offers tailored insurance products that cater for a variety of specific professions and trades including Restaurant Insurance.
Liberty Mutual’s Restaurant Insurance offers cover to a wide range of restaurant businesses from small independent businesses through to national franchises which are designed to protect businesses and their reputation. They provide cover which includes general liability, property cover, business interruption and liquor liability insurance which covers against incidents including kitchen fires, foodborne illness, slips and falls.
8. ARO Insurance
Some of the features and benefits of ARO Insurance’s pub and restaurant insurance.
- Retail Package Insurance
- Covers catering and public houses
- Material damage
- Contents, fixtures and fittings
- Glass breakage
- Public and products liability
- Employer’s liability
- Business interruption
- Property in transit
- Provides a range of optional cover
ARO Insurance specialises in business insurance for those in property or retail sectors with tailored packages. Their range includes the Retail Package Insurance which provides cover to a variety of retail businesses which includes catering businesses and public houses.
ARO Insurance’s Retail Package provides a broad range of cover including material damage, contents, fixtures, fittings, glass breakage, business interruption, property in transit, and liability cover. Their liability cover includes public and products liability of £2 million which can be extended to £5 million and employer’s liability of £10 million. They offer optional cover such as buildings cover, loss of licence, theft by employee and business machinery all risks.
9. Versatile Insurance
Some of the features and benefits of Versatile Insurance’s pub and restaurant insurance.
- Catering Insurance
- Covers a wide range of businesses including restaurants, cafes and takeaways
- Tailored cover
- Public liability
- Employer’s liability
- Product liability
- Business equipment
- Stock
- Personal accident
- Catering trailers and vans
Versatile Insurance is an insurance provider that offers a variety of business insurance products that cater for smaller businesses and organisations with tailored solutions such as Catering Insurance. Their Catering Insurance is designed for a variety of businesses such as restaurants, cafes, takeaways, mobile caterers and event catering.
Versatile Insurance’s Catering Insurance is a flexible product that can be tailored to meet your needs and they offer specialist cover for certain businesses. You can choose cover that includes public liability, employer’s liability, products liability, business equipment, stock, personal accident, catering vans and catering trailers.
10. Touchstone Underwriting Limited
Some of the features and benefits of Touchstone Underwriting Limited’s pub and restaurant insurance.
- Restaurants, takeaways, pubs and guest houses insurance
- Suitable for a single location or multiple sites
- Employer’s liability
- Public and products liability
- Goods in transit
- Business interruption
- Money
- Deterioration of refrigerated stock
- Loss of licence
- Offers optional extra cover
Touchstone Underwriting Limited is an insurance provider that offers a variety of business insurance products that cater for hospitality and leisure, construction industries, property businesses, travel and tour. Their hospitality range includes restaurants, takeaways, pubs and guest houses insurance.
Touchstone Underwriting Limited’s restaurants, takeaways, pubs and guest houses insurance offers liability insurance as standard with employer’s liability of £10 million and public and product liability of £2 million which can be extended to £10 million. It also includes goods in transit, business interruption, money, deterioration of refrigerated stock and loss of licence. Optional cover includes buildings, seasonal stock increases, theft cover, accidental damage and terrorism.