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Restaurant insurance

Cover for your restaurant, cafe or takeaway

Call 0800 294 0905 for a quote

Why do I need restaurant insurance?

Our restaurant insurance covers you for the legal liabilities and risks you face as a restaurant owner. A restaurant insurance policy lets you combine public and employer's liability cover with cover that's tailored to running a restaurant. It also covers wet and dry stock and other contents in one easily managed policy.

Restaurant insurance key benefits

Tailor the needs of your restaurant with our flexible insurance
Buildings insurance

Stock and contents insurance

Public liability insurance cover of up to £5 million

Employers' liability – £10 million standard cover

Money cover included as standard

Glass cover included as standard

Personal assaults in work hours – cover included at no extra cost

Loss of alcohol licence insurance

Goods in transit insurance

Business interruption insurance

Legal insurance

Deterioration of frozen food

FAQs
What types of establishments are covered?

Restaurant insurance is available for the following types of establishments:

  • restaurants
  • cafes
  • coffee shops
  • fast-food and takeaway outlets

  • What is money cover?

    Running a restaurant often means having large sums of money on the premises at certain times. Money cover lets you insure sums of £3,000 upwards. Your money is covered while it's:

    • stored overnight in a safe on your premises
    • on your premises during business hours
    • in transit to the bank

    What is glass cover?

    Glass cover insures your front-of-house glass, like window glass and sanitary ware.


    What is business interruption insurance?

    Business interruption covers your business against losses incurred following a loss covered by your restaurant insurance.

    For example, if you were unable to trade because of a fire at your restaurant, business interruption insurance could pay for your lost earnings and costs for the period of interruption.

Policy documents

You can find full information about hotel insurance in the Summary of Cover and the Policy Booklet.

Good to know

AA Business Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562. You can check their register or call the FCA on 0800 111 6768.

Call now for a quote

0800 294 0905

Lines are open Monday to Friday 8:30am to 5:30pm.

0800 294 0905