Commercial Lines Insurance Broker of the Year
2026 UK Broker Awards
BUSINESS LIABILITY INSURANCE
Restaurant & Café Insurance
Cover for premises, equipment and liability specific to food service businesses, including kitchen equipment breakdown and spoiled stock. Reflects the particular risks of running a working kitchen open to the public.
About Restaurant & Café Insurance
Kitchen equipment breakdown cover responds when a fridge, oven or extraction system fails, which can otherwise mean lost stock and a forced closure with no cover in place. Cover for spoiled stock following a breakdown or power cut is often included alongside standard premises and liability cover, reflecting how much of a food business's risk sits in the kitchen rather than the dining room.
What You Will Need for a Quote
- Nature of your business and services provided
- Estimated annual turnover
- Number of employees
- Stock and contents values, if applicable
Restaurant and cafe insurance specialists who understand food service.
We are independent, meaning we access a wide panel of insurers to place cover for restaurants, cafes and other food service businesses. Whether you run a small cafe or a busy restaurant kitchen, we help find insurers that understand the risks of a working kitchen open to the public.
Independent
We are not tied to any insurer, allowing us to compare Restaurant & Cafe Insurance options across a wide panel of insurers.
Built for Your Trade
Food service businesses carry different risks to standard retail. We arrange cover built around your kitchen, equipment and customer-facing premises.
Flexible
Buildings, equipment breakdown, stock and liability cover can be combined to suit how your business operates.
Dedicated Support
One specialist broker manages your enquiry from quote through to renewal and claims support.
Who We Arrange Cover For
- Independent restaurants
- Cafes and coffee shops
- Takeaway and fast-food businesses
- Bistros and small eateries
- Catering businesses with a kitchen premises
- Businesses serving alcohol alongside food
- Franchised food outlets
- Seasonal and pop-up food businesses
What We Arrange
- Buildings and contents insurance
- Kitchen equipment breakdown cover
- Spoiled stock following breakdown or power cut
- Public and employers' liability
- Business interruption cover
- Food hygiene and product liability
- Glass and signage cover
- Money and till theft cover
Industry Recognition
Recognised Across the Industry
Shortlisted and named a finalist at leading UK insurance industry awards, recognising our expertise and continued growth.
Insurance Broker of the Year, London & the South East
2026 UK Broker Awards
Insurance Broker of the Year
2025 Insurance Times Awards
What Clients Say
Why Clients Choose Us
6,000+
Clients Assisted
30+
Insurance and Underwriting Partners
300+
5 Star Reviews
30+
Years of Combined Experience
Insurers & Markets We Work With
We work with a broad panel of insurers, MGAs and specialist markets to find suitable cover for our clients.
Restaurant & Café Insurance Questions
Ready to Speak to a Broker?
No obligation. We compare the market for you and come back with a clear recommendation.
Monday to Friday, 8am to 6:30pm