Find a specialist restaurant insurance broker
Restaurant cover is priced on your menu, cooking method, footfall and claims history. CoverBroker matches you with a broker who places hospitality risks daily, so your renewal is negotiated properly instead of auto-renewed.
Free, no obligation — you don't pay a fee to be matched.
How we match your restaurant risk
The right restaurant insurance broker depends on your operation. When you submit an enquiry we ask about your menu, cooking method and claims history, then match on the criteria below.
Menu and cooking method
Deep-fat frying, extraction, gas or electric — underwriters load on how you cook. The right broker presents it accurately so the price holds.
Stock, equipment and footfall
Brokers who size your stock, fixtures and business interruption to your real turnover and footfall, not a default figure.
Alcohol and licensing
On-licence and late-hour trading change the risk profile. Brokers who place hospitality present this to the right market.
Liability and claims
Brokers who arrange public and employers' liability and frame your claims history honestly for the right underwriter.
Your documents are safe
Upload your current restaurant policy schedule, statement of fact or renewal invitation. Here is exactly how they are handled.
Secure storage
Your restaurant insurance documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Restaurant insurance questions
- What insurance does a restaurant need?
- Most restaurants need public liability, employers' liability (a legal requirement if you employ anyone), buildings and contents, stock, business interruption and often loss of licence cover if you serve alcohol. Deep-fat frying and extraction systems change which insurers will quote, which is why a specialist hospitality broker earns their fee.
- What is a restaurant insurance broker?
- A restaurant insurance broker specialises in placing cover for hospitality — restaurants, pubs, cafés, bars and takeaway kitchens. They combine property, stock, public liability, employers' liability and business interruption into a package priced on your menu, equipment, footfall and claims history, using markets most comparison sites don't reach.
- Why use a restaurant insurance broker instead of a comparison site?
- Restaurant premiums load on the detail: deep-fat frying, extraction systems, cooking methods, alcohol sales, footfall and sums insured. A broker who places hospitality risks daily presents your operation accurately and negotiates business interruption and liability cover a comparison site under-prices by default.
- Do I need restaurant insurance if I run a small café?
- Most leases require property and liability cover, and a single kitchen fire or customer injury can exceed a year's profit. A broker places cover sized to your real equipment value and footfall rather than a default figure that leaves you underinsured at claim time.
- What documents help a restaurant insurance broker quote accurately?
- Your current policy schedule, statement of fact and renewal invitation. If you have them, a stock and equipment valuation and a claims history summary help too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist restaurant insurance broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Looking for a related specialist? See our shop insurance broker and public liability insurance broker pages.
Get a restaurant insurance broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist restaurant insurance broker — with an optional free AI review of your current cover.