How Much Is Restaurant Insurance in the UK?
If you run a restaurant in the UK, you already know how important it is to protect your business from unexpected events. But one of the most common questions business owners ask is:
“How much does restaurant insurance cost in the UK?”
The answer depends on several factors, including the size of your business, location, staff, and the types of coverage you need. In this post, we’ll explore the average restaurant insurance cost, what coverage to consider, and how to get the best insurance for restaurants in the UK.
What Is Restaurant Insurance?
Insurance for restaurants is a tailored business insurance policy that protects your establishment against a range of risks—fire, theft, customer injury, employee accidents, and more. A comprehensive policy typically includes:
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Restaurant general liability insurance
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Commercial property insurance
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Employers’ liability insurance
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Business interruption coverage
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Optional add-ons like cyber insurance and commercial vehicle cover
Whether you own a café, fine-dining venue, or pub, finding the right insurance for a restaurant is essential to keeping your business financially secure.
How Much Does Restaurant Insurance Cost in the UK?
The restaurant insurance cost in the UK varies based on your business model, number of employees, claims history, and coverage level. On average:
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Public and product liability insurance: £250–£750/year
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Employers’ liability insurance (legally required if you employ staff): £200–£500/year
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Business interruption insurance: £150–£400/year
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Combined restaurant insurance policy: £1,000–£2,500/year
That means the restaurant insurance cost per month could range from £85 to £210, depending on your specific risks and coverage.
Factors That Influence Restaurant Insurance Pricing
If you’re wondering, how much does restaurant insurance cost, here are some key factors that insurance providers consider:
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Location – Busy city centres often have higher premiums
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Property size and value – Larger premises cost more to insure
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Number of employees – Affects your employers’ liability rate
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Alcohol service – Bar and restaurant insurance may include liquor liability
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Claims history – Previous claims can increase your premium
What Coverage Should You Include?
When shopping for restaurant insurance coverage, make sure your policy includes:
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Liability insurance for restaurants (for accidents and injuries)
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Restaurant general liability insurance (for customer claims)
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Property insurance (for damage to kitchen equipment, furniture, etc.)
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Stock coverage (protects food and drink inventory)
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Business interruption (replaces income during closure)
Depending on your services, you may also need bar and restaurant insurance or cyber insurance for online ordering systems.
Where to Get a Restaurant Insurance Quote
Start by comparing offers from top-rated restaurant insurance companies in the UK. Use search terms like:
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Restaurant insurance quote UK
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Restaurant insurance near me
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Insurance for restaurants cost average
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Best insurance for restaurants in the UK
An experienced agent can help you get the right policy at a competitive rate.
Final Thoughts
Getting the right insurance for restaurants in the UK is one of the smartest decisions you can make as a business owner. With tailored coverage, you can focus on running your restaurant while staying protected from costly risks.
Whether you’re in London, Manchester, or Edinburgh—investing in quality restaurant insurance coverage ensures peace of mind. Ready to find out your exact restaurant insurance quote? Contact a provider today and secure your business.