restaurants

Customized Insurance Solutions for Every Culinary Endeavor

Premiums start from just£500+ iptAt Direct Business Insurance Services we recognize that running a restaurant is much more than just managing a business, it's about creating experiences, crafting flavors, and bringing people together. Every moment your doors are open, there's a symphony of activity; from the sizzle in the kitchen to the chatter in the dining area, your restaurant is a bustling hub of culinary delight. But with this dynamic environment come various risks that can threaten your hard-earned success.

Why Choosing the Right Restaurant Insurance Matters

Just like a perfectly balanced dish, the right insurance coverage ensures that your restaurant operates smoothly even when unexpected challenges arise. It’s not just about having insurance—it’s about having the insurance that fits your unique needs. Whether it's a kitchen mishap, a customer incident, or an unforeseen closure, being properly insured means you're ready to handle it all without missing a beat.

Tailored Policies for Tailored Needs

At Direct Business Insurance Services we do more than just sell insurance. We partner with you to understand the intricacies of your restaurant and craft a policy that addresses your specific concerns. Here’s how we can help:

A robust policy of cover for your business

Protection for Business Contents & Stock +

All Risks' cover against loss or damage to your contents (e.g. furniture and computers) and stock up to the amount specified by you

Public & Products Liability +

Covers you up to a limit of £5m if a member of the public is injured on your premises

Business Interruption +

Covers your business for loss of profit if you are unable to trade following an insured event

Unlimited Glass Cover+

Covers your business for loss of profit if you are unable to trade following an insured event

Deterioration of Chilled or Frozen Stock +

Covers you if freezers &/or refrigerator equipment causes damage to perishable stock

Personal Accident +

Covers an Eligible person if they sustain bodily injury whilst on the Premises or undertaking business

Employee Theft +

Covers you for direct financial loss as a result of employee theft

Goods in Transit +

Cover for damage or loss to your stock whilst in transit in your vehicles

Money Cover+

Covers theft of cash at your premises, in & out of business hours and in transit

Included benefits+

  • Legal Expenses facility
  • Cardinus Health and Safety Partnership
  • Crisis Recovery Helpline
  • Claims Recovery Assistance
  • Claims Assessing Service
  • Unparalleled Claims Service 24/7

Optional cover+

  • Buildings
  • Terrorism
  • Directors & Officers Liability
  • Household Contents (including Valuables)

Protecting More Than Just Your Business

Your restaurant is a place of joy and gathering, and the safety of your customers and staff is paramount. With policies designed to cover everything from food poisoning and slip-and-fall accidents to employee injuries and equipment breakdowns, you can focus on what you do best—serving unforgettable meals and experiences.

Connect with Us to Secure Your Dream

Don’t let unexpected incidents put your culinary dreams on hold. Contact Direct Business Insurance today, and let us help you craft an insurance policy as bespoke as your menu. With Direct Business Insurance Services safeguard your passion, protect your investment, and keep your kitchen cooking at full steam ahead.