Our specialism in restaurants offers insurance solutions built around the needs of restaurant businesses.
With insurance designed around the specific needs of a unique industry, you can maximise the benefits of a team who understand your sector and how to get you appropriate cover. Our mission is to overcome common obstacles which arise from standard policies, and improve protection for operators.
Whether you own an independent restaurant or a chain across the country, we can work with you to find restaurant insurance cover to help protect you against a wide range of eventualities.
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 mean accidents and incidents could happen at any time. Restaurant insurance is there to provide cover against financial loss caused by unforeseen circumstances subject to policy terms, conditions and exclusions.
Rising costs, new legislation and economic changes mean the restaurant industry faces complex risks. Ask yourself: could your business survive the impact of a substantial claim? Often restaurant insurance is the only thing between your business and huge financial losses.
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 sustains an injury at work.
You should consider an insurance policy that covers all bases for your venue. You may need to include the following:
You can pick and choose the cover you’ll need to suit your restaurant. For instance, restaurants that host live entertainment may need extended cover. Luckily for NDML customers, our dedicated Account Executives get to know your business through visits and risk assessments, so we will recommend the type of cover you ought to consider.
From our dedicated team to our in-house claims department, we’ve got you and your venue covered.
We’ll work closely with you, ensuring you are happy with your cover. We will help grow your business and build a one-stop policy suitable for your venue’s requirements.
As specialists, we use our experience in the industry to look beyond the obvious. No two restaurants are the same. But there are factors that many restaurants share that can produce the same risks, such as:
We consider your neighbouring businesses, the council, the age of the building complex it’s situated in and much more to assess potential risks.
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.
A large section of your restaurant’s profits may come from wine or beer sales. If you were to lose your licence 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 a specialist can help you to predict the more unusual risks and work with you to mitigate against them.
Restaurants are required to have Employers’ Liability insurance, this is the law for all businesses that employ one or more people in the UK. Public Liability insurance is very important, as is Buildings and Contents insurance, insuring against potentially drastic financial loss. Our commercial combined policy offers you appropriate covers for your venue, with our team working alongside you to ensure you are properly protected.
Restaurant insurance can vary greatly depending on many factors. These include the size, capacity, location and condition of the restaurant, as well as the insurance history. NDML will take each of these into account with our risk assessment when preparing a quotation for your venue.
All restaurants should consider having Public Liability insurance, a policy which is recommended for public-facing businesses. It can help to protect you against financial losses, judicial costs and potential pay-outs subject to policy terms, conditions and exclusions. NDML will help you consider your requirements and suitable cover to help protect you against injury or property damage claims. For more information see our Commercial Combined Insurance Cover.
