Restaurant Cover

Specialist restaurant insurance for you.

Whether you own an independent restaurant or a chain across the country, we can work with you to find tailored insurance cover to protect you for life’s ‘what ifs’. 

Something’s cooking

Our specialists will take the time to get to know your restaurants and your unique risks. Sharp implements, red hot appliances and hundreds of visitors each day means accidents and incidents are just around the corner, meaning insurance protection is particularly vital for restaurants. 

Rising costs, spurious claims and economic changes means the restaurant industry needs insurance more than ever before. After all, could your business survive the impact of a substantial claim? 

Why do restaurants need insurance?

Imagine where your venue would be without Public Liability Insurance when one of your customers trips over a rogue wire. Or what you’d do without Employers’ Liability when a staff member slices their hand on a knife that’s left lying around.

You’d be left having to pay a bill that you hadn’t budgeted for.

You’ll need a comprehensive insurance policy that covers all bases for your venue. In general, you’ll need to include the following:

You can of course pick and choose the cover you’ll need to suit your restaurant. For instance, restaurants that host live entertainment will need extended cover. Luckily for NDML customers, our dedicated Account Executives get to know your business so can recommend the type of cover you ought to consider. 

From our outstanding account management team to our industry-recognised claims department, we’ve got you and your venue covered, every step of the way.

Why work with a specialist restaurant insurance broker?

As specialists, we use our experience in the industry to look beyond the obvious. No two restaurants are the same, even if they’re part of a chain. But there are factors that many restaurants share that can produce the same risks, such as:


We take into account your neighbouring businesses, the council, the age of the building complex it’s situated in and much more to assess potential risks.

The style of your restaurant

Chains have a completely different risk set to independents, but the food served or the style in which they serve it will also be a factor. For instance, we look at the risk of political or health factors affecting your supply chain.

Your licenses

A large section of your restaurant’s profits may come from wine or beer sales. If you were to lose your license to serve alcohol, how would your business cope?

Restaurant insurance requires a specialist because risk management is so important. You can manage standard risks, like slipping on spilled food, fairly easily, but only a specialist can predict the more unusual risks and work with you to mitigate against them. 

Work with the UK’s leading night-time insurance brokers!


Get in touch today to discover the best options for your venue…