Business Insurance Cover
for Restaurants

  • Request a quote online or simply call one of
    our specialist insurance consultants.

Restaurant Insurance

When it comes to something as particular as food, everybody wants to offer something different, but whether you’re running a small high street café or a Michelin-starred restaurant, having the correct cover can be a crucial part of protecting your livelihood.

That’s why at Purple Arc we provide our clients with a tailor-made service that’s designed to suit you and meet the needs of your particular business. If you’re finding the range of covers available a little overwhelming, don’t worry. Our consultants are always here to help, and we’ve got some useful tips to get you started:

  • When it comes to choosing the right type of restaurant insurance cover, always take into account your busiest periods of trading (ie. the Christmas period and bank holidays). This will help you to assess the right level of stock and money covers that your business requires.
  • Insurers often have an average clause within their policy agreement, stating that if any items you are claiming for are insured for less than their value at the time of loss or damage, then the amount payable by the insurer will be reduced by the proportion you are underinsured. To avoid this from happening, read through your policy carefully and be sure to seek advice when needed.
  • If you are leasing your property, always check with your landlord who is responsible for buildings and rent cover and consult your contract accordingly. If you discover that you are responsible, don’t worry: we can add this to your existing cover without you needing to take out a separate policy. If you are not responsible, it may still be worth asking your landlord if you can add these covers to your policy, as this can be a more cost-effective approach. Discounts are far more likely to be obtained from combined policies rather than separate ones.
  • With fire claims on the increase, insurers are brushing up on their policy conditions. In fact, it is now standard practice for most insurers to insist that the entire length of your extraction system, flues, motors and fans be cleaned by a professional at least once a year. So be sure to think ahead!

At Purple Arc, we aim to stay ahead of policy terms so that we can give our customers the best service at the most affordable price. That’s why we’ve joined forces with an extraction maintenance provider, so that we can offer you a service that’s reliable, price-competitive, and policy compliant. Sound good? Call us now to find out more!

 

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simple but effective

Our service is simple but effective; we aim to offer small to medium sized businesses a corporate service standard.

  • We aim to offer the best terms available by working on fee basis, which means it is in our interests as well as yours to find the best terms each year.
  • Our consultants aim to build long lasting relationships with our clients, so it is there goal to be your dedicated consultant and look after you throughout your policy life cycle.
  • We want our clients not only to be covered correctly, but also to get the best terms available, so we have linked with other risk management service providers to offer full protection at lower costs.