An adaptable menu of insurance covers to suit all restaurants

Warrings provides an adaptable menu of insurance covers to suit all restaurant types, from fine dining to fast food.

The Warrings restaurant insurance policy has been designed to include a comprehensive range of covers to suit the requirements of most eating establishments. However, the policy is flexible and designed to provide restaurateurs with a choice of cover level when obtaining a restaurant insurance quote for their business. In this way, Warrings is able to minimise the restaurant insurance cost for each of the businesses we work with.

The following sections are automatically provided within our standard restaurants insurance policy:

Property Damage

Property Damage covers loss or damage to your restaurant contents caused by fire, theft, explosion, earthquake, flood, riot or civil commotion, malicious or accidental damage.

Business Interruption

The policy automatically covers up to £500,000 loss of trading profit during a 24 month period following an event which may have caused damage and/or destruction to your restaurant premises or contents. A higher sum insured can be selected if necessary.

Money and Personal Assault

The standard cover provides protection for loss of money on the premises during business hours of up to £3,000 or whilst in transit or in a bank night safe.

Whilst handling money on your business, employees are automatically covered for death or permanent disability if assaulted of up to £10,000.

Glass (repairs or replacement)

Glass cover provides protection for breakage or damage to the glass in your restaurant windows and doors. It also provides cover for external signage, fixed glass in display cabinets and letterings or designs on glass.

Employers' Liability

A statutory requirement under UK legislation, this covers legal liability for injury to employees up to £10,000,000 (£5,000,000 if the loss arises from terrorism). It also covers legal costs (up to £250,000) for defending criminal proceedings brought for a breach of the Health & Safety at Work Act 1974.

Public Liability

Public liability covers legal liability up to £2,000,000 for accidental injury to the general public and/or damage to their property arising from negligence by you or your employees in the conduct of your restaurant business.

Products Liability

Up to a limit of £2,000,000 Products Liability covers accidental injury to the general public or damage to their property caused by any product that the restaurant has sold or supplied to them and which is no longer in your possession or control.

Deterioration of Refrigerated Stock

This covers deterioration of refrigerated stock of up to £1,000 caused by breakdown of refrigeration units or failure of the public electricity supply. A higher sum insured can be selected if necessary. The amount is automatically increased by 25% during November, December and public holidays.

Book Debts

Covers loss of debts owed by customers you are unable to trace following loss or damage to books of account caused by perils covered under Property Damage above. The policy automatically provides cover of up to £25,000 but a higher sum insured can be selected if necessary.

Goods in Transit

Standard cover provides £2,500 of protection against loss or damage of your goods in transit. A higher sum can be insured if necessary. Tobacco, wines and spirits are excluded though.

Loss of Licence

This covers the loss in value of your business or premises should your Premises Licence (currently required under the Licensing Act 2003) be revoked or not renewed by any cause beyond your control. The policy automatically provides cover of up to £100,000 but a higher sum insured can be selected if necessary.



The following insurance covers can be arranged as additions if you should require them:

Terrorism

Extra cover to insure against damage caused by an act of terrorism.

All Risks

All risks cover provides an alternative to insuring individual machinery in your restaurant against specific perils included under the Property Damage section. Instead this provides a wider level of cover for accidental loss or damage.

The above is purely a brief summary of the protection available under the Warrings restaurant insurance policy. The summary does not constitute an insurance policy nor contain the full terms and conditions of insurance cover nor limitations or exclusions under the policy and should not be relied upon as such to be representative of the cover we may eventually provide under a contract of insurance. Full policy wordings and a more detailed summary of cover are available upon request directly from a Warrings insurance representative.

Monthly premium payment plan

Warrings are able to offer monthly premium payment plans which have been designed to assist make paying for your restaurant insurance easy to budget for. Our professional account managers will be delighted to assist you if you wish to pay for your premiums by instalment.

Our dedicated, professional insurance advisors will be able assist you arrange your restaurant insurance policy. We would be further willing to provide you with a copy of the policy or a summary of cover on request. Please telephone 0844 209 0566 or complete the online enquiry form.