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RESTAURANT INSURANCE
Our restaurant insurance policy is specifically designed to cater for licensed or unlicensed restaurants
- Restaurant's save an average of £270 when they switch to us*.
- £2m public & product liability cover as standard.
- Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
- Get a quote online or call now for a great deal on restaurant insurance.
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Looking for restaurant insurance that's tailored to your needs? We take care of business
Let Premierline Direct provide you with great cover at a competitive price to give you peace of mind for your restaurant insurance
Our policies are designed to meet the needs of restaurants. We believe that no two businesses are the same and you should only pay for the cover you need
Save money on your restaurant insurance
Our policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers
We give our customers far more than just restaurant insurance
Great service counts, that's why you'll find Premierline Direct easy to deal with, whether online, over the phone or even face-to-face - whatever suits you best
And if you need to claim, we're right there for you, 24/7, ready to get your business back up and running. Fast!
All our customers have access to an exclusive, risk-management website - giving you a wide range of tools to help plan and manage your business
And, as a Premierline Direct customer you'll get exclusive access to a wide range of discounts to save on business running costs
Standard cover
Our licensed premises insurance policy covers the following as standard:
Business contents - Our policy covers your trade contents and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. Cover also includes the leakage of beer & beverages from pumped containers and subsequent damage to contents.
Business interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy. A gross profit sum insured of £500,000 with an indemnity period of 12 months is our standard cover.
Loss of accounts receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to a loss covered under Section 1 of the policy to your books of account or business records.
Loss of liquor licence - If for any reason you lose your licence due to circumstances outside of your control then we will cover you up to £100,000 against loss of profit or the depreciation in the value of your property should it be sold.
Public and products liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.
Employer's liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.
Related products
Extensions of cover
Our restaurant insurance cover includes the following extensions as standard:
| Contents extensions | Standard cover limit |
|---|---|
| Breakage or scratching of fixed glass and sanitary fixtures and fittings | Up to the amount of your contents sum insured |
| Damage to window frames following breakage of glass | £500 in any one policy period |
| Damage to glass lettering or other ornamental work and alarm foil | £500 in any one loss |
| Damage to signs | £1,000 in any one policy period |
| Loss or damage to your business goods while being carried in any vehicle(s) owned, hired or leased by you anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland | £2,000 any one event |
| Replacement of locks following theft of the restaurant keys from the restaurant or authorised private residence | £500 in any one policy period |
| Loss of money: | |
| In transit or bank safe (Cash carrying warranty will apply) | £3,000 any one loss |
| From the restaurant during business hours | £3,000 any one loss |
| From the residence of principal or authorised employee | £500 any one loss |
| Outside business hours: | |
| From locked safe | £1,500 |
| Not contained in a locked safe | £500 |
| Non-negotiable money (e.g. crossed cheques, credit card counterfoils) | £250,000 any one loss |
| Personal accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in course of the business | Weekly benefit for disablement - £100 per week upto 104 weeks. £10,000 for death, loss of limb(s) or sight |
| Loss of freezer contents following accidental change in temperature | £2,000 |
| Seasonal increase - Automatic increase in stock sum insured during busy periods | Up to 25% |
| Outside catering - cover against: | |
| injury to the public and damage to their property | £2,000,000 limit any one loss |
| loss or damage to your equipment by an insured peril | £2,000 any one loss |
| Loss or damage by an insured peril to your property in the open within the boundaries of your premises e.g. picnic tables and garden furniture | £500 in any one policy period |
| Loss of metered water directly resulting from loss or damage by an insured peril | £2,500 any one claim |
| Damage to landscaped gardens caused by emergency services attending your premises as a result of an insured peril | £1,000 in any one policy period |
| Public liability extension | Standard cover limit |
|---|---|
| Cloakrooms - Cover against your liability for loss or damage to property belonging to patrons caused by theft or accidental means whilst deposited in the cloakroom of the hotel | £1,000 any one cloakroom £100 any one article |
| Business interruption extension | Standard cover limit |
|---|---|
| Notifiable Diseases - covering loss of gross profit and reasonable expenditure directly resulting from interruption or interference with the business following an occurrence of certain Notifiable diseases as detailed within the policy document See Section 2(A), Extension 1 for terms and conditions | Up to the value of your gross profit sum insured for an indemnity period of 3 months |
Optional extras
For an additional premium, Premierline Direct can offer a range of optional extras to your restaurant insurance policy. These include:
Buildings - Covers the cost of rebuilding your premises and has the option of including subsidence cover.
Subsidence - This provides cover for damage to your premises as a result of subsidence, ground heave or landslip.
Theft by employees - Covers against a direct loss as a result of fraud or dishonesty involving the theft of money or contents by an employee up to the maximum value of £5,000 in any one policy period.
All risks specified items - Provides cover for any specified items that will used away from the business premises, throughout the UK and for up to 30 consecutive days elsewhere in the world.
Computer breakdown - Provides cover for loss or damage caused by computer breakdown or failure up to a value specified by you. Cover also extends to include:
- Loss or damage to computer records up to a limit of £5,000 in any one policy period.
- Additional expenditure arising from the breakdown of computer equipment upto £10,000 in any one policy period.
- Reinstatement of data up to £5,000 in any one policy period.
Terrorism - Covers you against damage to your property from the effect of acts of terrorism upto the maximum sums insured of Section 1 - Contents and Section 5 - Buildings.
Exclusions & limitations
These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to security requirements, alarms and under insurance, as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms & conditions may be applied in certain cases. Excesses apply to certain types of claims.
Damage to signs - Cover excludes neon signs. See Extension 2 of Section 1 for terms and conditions.
Stock in any cellar - or basement must be placed on racks at least 150mm above floor level - see Section 1 of the Policy Document - Contents of the Licensed Premises item A2 and A3, for terms and conditions.
Goods in Transit (Security) - If vehicle is left unattended it must be locked at all points of access and in addition it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E3 of the Policy Document for terms and conditions.
Goods in Transit (Frozen or Chilled Foods) - Cover excludes deterioration of goods due to faulty stowage, incorrect setting or operation of the equipment or variations in temperature unless directly due to fire, or accident to the vehicle or theft or attempted theft. See Section 1, Extension 3, Exclusion a) for terms and conditions.
Money on Premises - Money left unattended and not contained in a locked safe will be limited to £500. See Extension 5 of Section 1 for terms and conditions.
- Money cover does not extend to include money in any Automated Teller Machine unless specifically agreed by us and endorsed in your policy. Increased levels of security may be required.
Transition Condition - Is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:
- a) the money must be accompanied by not less than two responsible adult persons.
- b) not more than £2,500 will be carried by any one person.
Personal Accident - Assault - Age limits of 16 to 70 apply. Compensation for death, loss of limb or sight only applies if they occur within two years of sustaining the bodily injury. See Extension 6 of Section 1 for terms and conditions.
Property in the Open - Cover excludes loss or damage to moveable property caused by storm or flood.
Unoccupancy - We must be notified immediately if any Licensed Premises becomes unoccupied and a suitable extra premium paid if required. See Clause H of Section 1 of terms and conditions.
Business Interruption - Loss of gross profit to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension 4 of the Policy document for terms and conditions.
Pollution or Contamination - Is excluded other than by a sudden and unforeseeable incident which takes place in its entirety at a specific time and place during the Period of Insurance - see section 3(b) of the Policy Document - Public and Products Liability, item C. Pollution or contamination occurring in the USA or Canada is excluded.
Cloakrooms - Cover excludes:
- Loss or damage caused by fire and/or explosion
- Loss from any unlocked and unattended cloakroom
- Loss or damage to jewellery, watches and the like
See section 3b - paragraph L of the policy document for terms and conditions. Cloakroom warning notice will be required
Asbestos Exclusion - Only applicable to Public and Products Liability. We will not be liable for legal liability in respect of injury, loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.
Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity, article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage.
Minimum standards of security apply - Theft and theft of money is excluded unless the security requirements are fully complied with.
Commercial legal protection
Commercial Legal Protection is an optional cover designed to cover your legal expenses in certain circumstances as detailed in the Policy Document. This section is underwritten by DAS Legal Expenses Insurance Company Limited.
The following features and benefits apply to your commercial legal protection cover. This is in four parts and covers against:
- Employment disputes and compensation awards
- Legal defence
- Property protection and bodily injury
- Tax investigation and VAT disputes
- Maximum cover limit £100,000 any one claim
- Maximum limit of £1,000,000 in any one period of insurance for Employment Compensation Awards
Significant Exclusions or Limitations for Commercial Legal Protection:
- Employment dispute where the cause of action arises within the first 90 days of the indemnity provided by this section of the policy.
- Dispute with an employee who was subject to a written or oral warning (formal or informal) within 180 days immediately preceding the inception date of the indemnity provided by this section of the policy if the Date of Occurrence was within the first 180 days of the indemnity provided by this section of the policy.
- Redundancy or alleged redundancy or unfair selection for redundancy arising within the first 180 days of the indemnity provided by this section of the policy.
This is a Summary only of Section 10 and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the Policy Document.