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 Restaurant Insurance / Pub Insurance for a wide range of restaurants, pubs and cafes, from Direct Line for Business

Restaurant Insurance / Pub Insurance

Our Restaurant Insurance / Pub Insurance is for businesses who...

Get a Restaurant Insurance / Pub Insurance quote (opens in a new window)
  • Are a restaurant, cafe or pub operating from a single premises
  • Can be independent, managed or tenanted, licensed or unlicensed
  • Have up to four guestrooms (if you have more than four, please take a look at our Hotel product)
  • Enjoy an annual income of up to £375,000
  • Don't offer live entertainment or nightclub facilities

More details on our Restaurant Insurance / Pub Insurance can be found further down this page.

Cut your cost, not your cover - Guaranteed

  • If you find a cheaper restaurant or pub insurance quote for the same cover, we'll beat it - Guaranteed (terms and conditions)
  • Plus, you also get 0% interest on your monthly payments (Subject to status. For the first year only. 18s and over. Typical 0% APR.)
  • You can call our UK based business team on 0845 303 1741

Key features of our Restaurant Insurance / Pub Insurance

Our standard Restaurant Insurance / Pub Insurance includes...

  • Business contents (for example furniture, coffee machines, pool / snooker tables) cover for any amount to a maximum of £250,000
  • Employers' liability for damages, legal costs and expenses following injury to your employees up to £10m
  • Public liability for injury to the public or damage to their property, up to £2m
  • Product liability which would cover you against illness caused by the food or drink that you serve up to £2m
  • Loss of income caused following an insured incident, up to £500,000 over a 24 month period

As well as increasing many of the above limits you can extend your Restaurant Insurance / Pub Insurance cover to include:

  • Your building (with a rebuild value up to £2m) and/or tenant's improvements (up to £500,000)
  • The contents of your home if you also live on the premises
  • The loss of your drinks licence

Helping you buy the correct insurance for your business with our quick & easy process

In order to make your Restaurant Insurance / Pub Insurance quote process more straight forward, please have the following to hand:

  • your business contents and stock value
  • your property's rebuild value (which is required if you want to insure the building)
  • details of any loss, damage, injury or disability during the past 3 years in connection with the business you wish to insure

Please also read the Assumptions page to find out more about the important statements you need to comply with.

Our quick and easy quote process consists of 2 stages:

  • Stage 1 - Your business details: Basic questions about you/ your business
  • Stage 2 - Your quote: A basic quote with options to increase some cover levels or add additional covers to suit your individual needs

From here you can proceed to review your Restaurant Insurance / Pub Insurance quote summary and buy your policy - either by paying monthly or annually - it's that easy!

For more information about our Restaurant Insurance / Pub Insurance, please visit the Summary of cover page, or for full details read the policy booklet.

We understand you have unique insurance requirements

Running a pub or restaurant presents its own set of challenges, and our Restaurant Insurance / Pub Insurance is designed to reflect that. That's why you're covered if a member of the public slips up on your premises, or if one of your members of staff injures themselves - we understand that these are particular concerns in a busy environment. We'll also protect you against loss if you have to close your premises for a period of time, for example due to storm, flood or fire.

Whether you're covering your liability to the public, staff or any money you may keep on your premises or in transit to the bank, it's essential that you buy the right amount of cover. That's why we ensure our Restaurant Insurance / Pub Insurance includes the standard cover for your type of business with the option to increase cover limits or add on cover to suit your individual requirements.

If there is a change in your business circumstances, such as taking on extra staff or altering your business activities, let us know and we'll adapt the quote to your needs, and hopefully save you some money.

Getting a quote is quick and easy. Just click 'Get a Restaurant Insurance / Pub Insurance quote' and we'll guide you through the process.

Van insurance

Get 15% off your van insurance

Introductory discount, offer ends 30.09.10. Subject to minimum premium. Drivers must be over 21 (over 22 in NI) and have held a full UK/EU licence for at least 1 year.

Find out more about Direct Line for Business Van Insurance