Free checklist
Restaurant and café insurance checklist
What a hospitality client usually needs, and where their cover often falls short.
Covers usually needed
- Buildings or tenant's improvements
- Contents, equipment and stock (including deterioration of stock)
- Business interruption
- Public and products liability
- Employers' liability
- Money and glass
- Loss of licence
Common gaps brokers find
- Deep-fat frying not declared, or duct cleaning warranties not met
- Stock deterioration not covered after a power cut or fridge breakdown
- Business interruption indemnity period too short
- Food hygiene rating not checked
- Outdoor seating and events not mentioned
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