Restaurant & Pub Insurance

NDML – Specialist Restaurant & Pubs Insurance Brokers

By very definition, restaurants & pubs carry unique risks. With sharp implements, red hot appliances and hundreds of visitors every day, proper insurance cover is absolutely vital.

In our 20 year + history of protecting restaurants & pubs, we’ve seen costs rising and customers choosing the lowest cost alternative. So we know that most restaurants really could do without the cost of a substantial claim.

Restaurant & Pub Insurance

NDML – Specialist Restaurant & Pubs Insurance Brokers

By very definition, restaurants & pubs carry unique risks. With sharp implements, red hot appliances and hundreds of visitors every day, proper insurance cover is absolutely vital.

In our 20 year + history of protecting restaurants & pubs, we’ve seen costs rising and customers choosing the lowest cost alternative. So we know that most restaurants really could do without the cost of a substantial claim.

Our policies include

Award-winning customer service​

Online access to documents​

Flexible payment options

Commercial Restaurant & Pubs 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 Employer’s 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.

Wise words from Michael Dawson

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What can you protect?

With insurance for this type of venue, you’re looking for a comprehensive insurance policy that covers all bases. That’s why we’d advise that you look at a Commercial Combined product. Every restaurant & pubs is unique, but in general, the cover you’d need would include:

• ​​Buildings and Contents​

• ​​Management Liability ​

• Public Liability

• Employers Liability

• Loss of Licence

• Stock including frozen foods

• Business Interruption

• Directors and Officers

You can of course pick and choose the cover you’ll need to suit your restaurant & pubs. For instance, restaurants with a license to serve alcohol, or that host live entertainment, will need extended cover.

Get your insurance with NDML

When you buy insurance with NDML, you’re getting award-winning service and a history of providing excellent cover. We’re specialists in this industry, which means that we’ve spent more than 20 years protecting establishments like yours. We’ve seen the risks and we know how to act quickly to make sure you can run as normal as soon as possible. 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.

Restaurant & Pubs Related News

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Useful Links

The NTIA

Join our partner, the NTIA, today to fight against unfair legislation changes and network with other industry professionals

The Food Standards Agency

Make sure you know all the latest rules and regulations and stay on the right side of the authorities.

UKHospitality

Support campaigns for a better, safer and fairer restaurant industry with lobby group, UKHospitality.

Frequently Asked Questions

There’s a couple of ways to report a claim to NDML; you can either call us during office hours (9-5) or you can fill in a claims form on our claims page. If it’s out of office hours and you’d like to speak to someone, you can call the insurer’s claims team you’ll find their number on our claims page.

You wouldn’t hire a bar manager who only had experience of running shoe shops. So why work with a broker who doesn’t live and breathe late-night leisure. Our competitors have ‘nightclub products’ or ‘late bar arms of the business’; just side-lines to their main operation. Night-time leisure is what we do.

Unrated and offshore investors are brilliant. They really are. They’re cheap and tend to not ask so many questions.

Or, at least, they’re brilliant until they have to actually protect you. Because often, as we’ve found with the collapse of insurers like Gable in recent years, they’re not financially secure enough to actually pay claims. And those questions they didn’t ask tend to leave you uninsured.

We only work with A-rated insurers because they offer the protection, security and strength that your venue needs.