Restaurant Insurance

When it comes to getting competitive restaurant insurance cover for your clients, CUL have all you need. Our schemes offer a combination of value and quality that is hard to beat, which is why CUL are known as leaders in the restaurant insurance market. Including essential general cover such as liability, money and loss of licence as standard and with valuable additions like a 25% increase in seasonal stock cover, it offers great cover for a great premium.


Get Your Restaurant Insurance Today

To find out how CUL's restaurant insurance can help your clients, or to get restaurant cover, please get in touch. You can call the team on 0800 3081 044 or email us by clicking here. Alternatively, if you have an agency, you can buy cover online through our sister company's website, Policyfast.

BUY ONLINE

Comprehensive Restaurant Insurance Cover

With CUL's protection, your restaurant clients can be insured against risks including;

  • Fire
  • Flood
  • Lightning
  • Explosion
  • Earthquake
  • Riot damage
  • Malicious damage
  • Storm damage
  • Escape of water and oil
  • Impact
  • Theft and accidental damage

Subsidence and householders' general contents cover can also be added as optional extensions.

What are the Standard Limits of CUL's Restaurant Cover?

  • Business interruption (gross profit basis) - £500,000 with a 12-month indemnity period
  • Book debts - £10,000
  • Goods in transit - £1,000
  • Loss of money - £5,000
  • Loss of licence - £100,000
  • Deterioration of stock - £2,000
  • Glass, signs, blinds - £10,000
  • Employers' liability - £10,000,000
  • Material damage – elect sum insured
  • Public and products liability - £2,000,000
  • Frozen food - £2,000
  • Legal expenses - £100,000

The above standard limits can be increased if required.

Minimum premium applicable:

  • Restaurants - £625

Other features of our restaurant insurance product include:

  • Legal costs and expenses (and employment compensation awards)
  • Seasonal increase of stock up to 25% at Christmas and Easter
  • Material damage providing full perils including accidental damage

Get a Restaurant Insurance Quote Today

To find out how CUL's restaurant insurance can help your clients, or to get a restaurant insurance quote, please get in touch. You can call the team on 0800 3081 044 or email them by clicking here. Alternatively, if you have an agency, you can buy cover online through our sister company's website, Policyfast.

BUY ONLINE