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From fit-outs to global expansion, we have the knowledge and experience to ensure you’re covered for everything you need to be – and nothing you don’t.
Why Howden restaurant insurance?
Something eating you? Like unexpected costs adding up, because you don’t have the right restaurant insurance? Then you’ve come to the right place. Haute cuisine or casual dining. An independent or a large chain. We know the restaurant business, so we know what can go wrong. Which means we’re there for you when it does. More importantly, before it does, helping to identify and reduce risks, and spotting any gaps in your cover. Our specialist brokers will help you find the best way to protect your business, with expert advice and high-quality cover, served just the way you like it. That can save you money on your premiums too.
Restaurant cover all figured out
There are 101 reasons to choose Howden for your restaurant insurance. Here’s five for starters:
Every cover served
All your insurance needs in one place.
Value as standard
The cover you need without paying for the cover you don’t.
Fast service
From cover to claims, for your exact needs.
Food specialty
Specialist teams across the UK experienced in the hospitality sector.
Personal touch
Attention to the finer details, as an employee-owned business.
And if that doesn’t cover it, we most probably still can – like for the risk of losing your alcohol license, a fat fryer melting the floor, or a live band’s amp blowing up.
What would you like?
Some of the most popular types of restaurant insurance we can offer you:
Designed to cover you financially if a member of the public makes a claim against your hospitality business.
Legally required in the UK, employers liability protects your business if an employee makes a claim against you.
Cover in the event of any criminal or accidental damage to your restaurant or hotel's building.
Fridge and freezers, ovens, health and safety gear, PA systems… your hospitality business is likely to be packed with contents that will need replacing if something untoward occurs.
Accidents happen – especially in the kitchen, and even if it’s no-one’s fault, the resulting costs can still add up, so you need to be covered for this.
Whatever the claim might be, you’ll need to legally defend yourself if a claim is made against you, and this policy will cushion that possible financial blow.
If a claim is made against a specific person rather than the business itself, this cover is for legal costs, contributing to any possible settlements or compensation.
If your stock – whether that’s food, kitchen equipment, linen, etc – is spoiled due to outside events, this insurance covers replacement costs.
If your business has to close due to material damage losses, this insurance is designed to indemnify your lost income and cover fixed costs to ensure you can continue to recover to your predicted pre-loss trading position, had the loss not occurred.
Making a claim made easy
We’re not just here to collect your premium: we’re here to help you with any claims too. Our claims team have dealt with hundreds of restaurant claims, so we know the process inside out. We can help you present your claim to insurers, to give you the best chance of getting the best result. And if you have a claim made against you, we‘ll help to build the strongest case in your favour to your insurer, and make the recommendation that’s in your best interest.
Restaurant case studies
The impact of streamlined insurance on a restaurant chain
An existing fine dining client introduced Howden to a potential new client – a restaurant chain spanning seven countries that specialises in serving high-quality fresh lobster. The chain asked Howden to review their existing restaurant and hospitality insurance programme to see how the insurance policies across all the sites could be streamlined, strengthened, and to identify any gaps in cover that may leave them exposed.
How Terrorism insurance can help with lost revenue
Following the events at Fishmongers’ Hall, as part of the wider ripple effect, our client suffered a downturn in income. This was due in part to the local authority of Southwark restricting access to the area, with public transport services reduced, which created an immediate reduction in expected footfall. And in turn, this unfortunately led to a £25,000 reduction in our client’s forecasted revenue.