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Sorting out restaurant insurance is one of the most important steps to take when opening a restaurant. It is crucial to take some time to get yourself familiar with all the different types of restaurant insurance before you delve into all the more exciting tasks when opening your restaurant.  

In the food industry there are many different problems that you could face, therefore being prepared for them in any way you can is essential. Here at Todd & Cue, we can help you understand what type of restaurant insurance may need, and advise you on which type of cover would suit your needs and requirements.

Common types of restaurant insurance

There are many different types of insurance policies to consider and research before deciding which one is best for your restaurant. Here is a list of some of the more common types of restaurant insurance:

General Liability Insurance

General liability insurance is needed in case any person is harmed in your restaurant, even if your staff aren’t to blame you will still want to be protected by liability insurance.  

Commercial Property Insurance

This type of insurance is important if you’re looking into protecting your restaurant specifically from property damage such as vandalism, smoke damage or wind storms.

Fire Insurance

It is vital your restaurant is covered by fire insurance because of the type of industry it is in. You should consider the risks involved in any business venture, and in this case, fire is a massive one for any restaurant.

What factors could affect the price of your restaurant insurance?

Insurance policies for restaurants are normally tailored to your specific needs and requirements. However, there are some general factors that could affect the price you’re being quoted. Some of them to consider are:

  • The location of your restaurant
  • The type of property it is
  • Your opening and operation hours
  • The proportion of alcohol sales
  • How many years you have been in business
  • Lease requirements


What our restaurant insurance includes

At Todd & Cue we always aim to include the most detailed and up to date insurance policies to fit your business.

Our premiums include:

  • Buildings
  • Trade content
  • Frozen foods
  • Goods in transit
  • ‘All-Risks’
  • Loss of license
  • Household contents
  • Personal accident
  • Equipment breakdown


Depending on your circumstances, you might find that the standard types of insurance policies don’t completely meet your needs. However, we can tailor your insurance policy for just about any type of circumstance. If you would like to speak to a member of our team then don’t hesitate to contact us for more information, or you can get a quote today.  

People are steering towards pubs more and more these days. Pubs are changing and 2018 is no different. – As we are half way through 2018, we thought we would show you the latest pub trends and how they are going to change the way people socialise and drink.


Craft beer

The rise for independent craft beer is ever more so now. Many are making the switch to craft beer, and so micro-breweries are becoming a big trend, helping with the demand for this new era.


Live music

Everyone loves live music, it makes the atmosphere an enjoyable place to go to. Accommodating for all types of genres, helping attract new audiences is a great way pubs are growing. Live music creates a great attraction to the pub, and therefore creating a great environment to the pub.



It is important for your pub to be on trend, bringing it into the 21st century. Wi-Fi is becoming a great attraction to pubs and for many is a necessity in this digital era. In addition to this, contactless payment is becoming a must for making payments.


Gin Gin Gin

The popularity of gin is on the rise. Therefore, this is becoming a big attraction point for pubs to serve different types. A great way to show off the gin is to have all types on display as transparency is key and it will help attract new customers walking by.


So, if you are thinking of starting a pub, it may be worth taking in some of these tips. And remember, pub insurance is essential. It will be different for each business, therefore, if you are wondering which policy to get, get in touch with us. We are always happy to help!

In the past 11 years, government borrowing has fell to its lowest amount according to the latest official figures. Borrowing fell to £42.6bn in the 2017/18 financial year. Which is a £3.5bn decrease from the last financial year.

Borrowing has narrowed to 2.1% of Gross Domestic Product (GDP) last year, which is down 10% from 2010.

The previous chancellor, George Osborne was set to decrease the gap between borrowing and spending. Although the current chancellor – Phillip Hammond is on the same mission to do so, he has eased off on the pace of cut backs.

We are at a point in the economy now where the debt is starting to fall and people’s wages are rising. Helping build an economy which works for everyone and one where the borrowing is falling year on year.

A downward stock market trend

Is this a good thing for the economy?

Many do not believe this is a turning point for the economy, with Samuel Tombs, chief UK economist at Pantheon Macroeconomics agreeing with this. He stated that the falling public borrowing reflects the sharp fall in spending which is not reviving the economy.


What is happening to interest rates

This year, the Bank of England is looking to increase the interest rates twice. Yet any increase here will be gradual. Looking to normalise the monetary policy, and the EY ITEM club’s prediction expects an increase in growth for GDP being 1.6% this year and 1.7% in 2019.

However, this is a worry to some, as many believe that by having two increases will exert unnecessary pressure on consumers.

If you would like to read more on the UK economy or any other industry news, then take a look at our blog page. We have all the latest news for you to take a look at. Or alternatively, sign up to our newsletter and receive a monthly newsletter.

Setting up a small business can be exciting and nerve-racking at the same time. But don’t worry, we are here to help provide advise so your security and privacy of your small business is up to date and secure.


Anti-virus software

Most businesses these days will be using some sort of computer and IT system. Whether it is an essential part of your business or not, you will be most likely using some sort of IT system. Therefore, it is a way into your business for hackers. Accessing all information on the site and potentially damaging your business. Ultimately, one way to help protect your business is to make sure you have an anti-virus software installed on your IT system and any devices connected to the business.

Hackers can steal your companies’ data, from client information to business accounts. Hackers can also block files and introduce ransomware, meaning they will give you back your data when you provide the money requested.


Strong password policy

As your business grows, you will likely hire more employees. There will be more accounts added to the business all with passwords needed. Therefore, it is essential you keep all passwords in a safe place and update them regularly. Make sure all your passwords are different for each account, making it harder for a hacker for the unfortunate case they do get into your IT system.



It is essential that you keep a back-up of your information and data. Make sure you do this regularly to ensure that if you do unfortunately encounter any data breaches so you have the latest back up of your information. Ensuring as little damage as possible



Small business insurance is essential for your company to stay protected. Whatever industry you are going into; it is crucial that you have the peace of mind that you are protected. Here at Todd & Cue, we offer great small business insurance for all types of businesses.


For more information on any of the topics we have discussed, then get in contact with us. We are happy to help! Or take a look at our small business insurance page for information of which insurance would be best suited for you.

We often hear many stories about cyber protection and the importance of it for businesses. We hear stories of major companies being a target, including the scandal last year of NHS and other major organisations web security being at risk. However, there isn’t as much talk on printer security, yet this is a growing area which hackers are targeting.

Most businesses have at least one printer and many have multiple around the office. With personal data and Wi-Fi printing being sent daily, information can be hacked and it is an easy route to your IT system. Many companies are now aware of the cyber security around IT, yet do not protect their printer security, which could potentially damage and wipe all the security you have.

Printers have evolved over the past few years, and now are becoming smart and technologically more advanced, putting them at more risk of security threats. As there are hundreds of millions of business printers in the world, only 2% of them are secure, making it an increasingly big target for hackers.


What are the risks?


As they are ever evolving, they face a number of threats including;

  • Unauthorised access to printer data

Make sure you have user profile recognition; this is to ensure that the right person is collecting the right documents. Therefore, it does not go to the wrong person and crucial information is printed to the correct person.

  • Unauthorised configuration changes

This can allow anyone to make changes to the configuration to route the printer jobs.

  • Print job manipulation

If in the wrong hands, this can include things like replacing, inserting new prints and deleting jobs in the printer.

  • Print data disclosure

If this is not secure, then hackers can access information and data from the memory, file system and hard drives, being able to access the IT system through this.


For more information on cyber security, then click here. Cyber security is so important as we are developing into a technology advanced era. With businesses being at the forefront of developing.

If you have a restaurant, then one factor you must consider before anything else is insurance for it. Restaurant insurance is so important for any food business. Within this sector, there are different types of restaurant insurances to choose from. Therefore, it’s essential you do research into the correct cover for you.


1. Take an up to date view

Make sure you take a full valuation of everything in your businesses, this will not only help get you the right insurance, but if your calculations are incorrect then your cover may be invalid. Therefore, it is essential you do your calculations to the best you can do, to ensure you are not being underinsured or even over insured.


2. Find a broker you trust

This is your business, so you want the best for it. Therefore, if something does unfortunately go wrong, then it is important that you are covered for any eventuality which might occur. So, if you are looking for insurance, then make sure you get one from a broker you trust, as you are putting your business in their hands.


3. Don’t automatically go for the cheapest insurance

Everyone loves a bargain, but when it comes to protecting your business, you don’t want to scrimp and save on anything. Make sure you do your homework; ensure you have a list of everything you want your insurance to cover and make sure your insurance covers all of them to the detail you require. Otherwise there is no point having it, and you will not be insured for what you want.


4. Make sure it includes the necessities

Having a restaurant insurance includes many different aspects of your business which will need covering. So take a look at what our premiums include below;
– Buildings
– Trade content
– Frozen foods
– Goods in transit
– ‘All Risks’
– Loss of licence
– Household contents
– Personal accident
– Equipment breakdown


5. Make sure you check it regularly

As your business grows and thrives, your insurance cover may need changing. Therefore, make sure you constantly check your insurance to ensure your cover is correct. After every year once it has run out, double check the details are all correct and go through this full guide again to ensure you are getting the best deal possible.


If you would like to take a look at our restaurant insurance premiums, then get a quote from us – it is quick and simple. Click here for your free restaurant insurance quote.

The prime minister, Theresa May has stated that she is going to tackle the injustice of the gender pay gap. With new data coming into play, more insight is being shown on just how different the pay really is between men and women.

Companies with 250 employees or more had to submit their gender pay gap by the 4th April 2018. From this data, 78% pay men more than women at the same level job. As appose to just 13% paying women more.

Therefore, with this new information coming to light, Theresa May has stated that this information will be uncomfortable reading and therefore it needs to be tackled. With it being essential that this inequality is being solved.


Who are the biggest offenders?

One of the worst offenders for gender pay gap is Ryanair. Who reported a 71.8% gender pay gap for men being paid more.

On the other hand, high street brands like KFC, McDonalds, Primark, Matalan and Starbucks reporting no difference in their pay to different gender.


What is gender pay gap?

It is a percentage working of the difference between men and women’s hourly earnings. The figure is calculated on a 1% sample of employees jobs. Taking the median average for men and women. However, be sure not to get this confused with equal pay. Which is companies paying men and women different amounts for the same job title and work.


For more information on the latest news and industry news, click here.

It can be difficult to start up a small/medium enterprise (SME), therefore no matter what industry you are planning to go in, we have some SME tips for success.


#1 make sure it is what your customers want

Make sure you do your customer research, is it a product or service which people actually want? Is it in the right location? If you are selling a product/service nobody wants, you will receive no sales/income. Therefore there is no need for the business.


#2 Manage your cash flow

Make sure your cash is maintained well. Keep a well maintained record of your incomings and outgoings, this will help you understand how much actual money you have and whether you can afford different products etc. Remember, businesses that make money can run out of cash, so be extra careful with the documentation of your cash flow.


#3 Time management and staff

In order to run a successful business, it is essential that you are organised and keep the flow of the business running. Good business owners lead by example and therefore this will set the example to their employees. By keeping good time management, it will help you make the most of the business hours and ensure as much work is done as possible in that time.


#4 Never stop networking

Never stop networking, wherever you are, if there is an opportunity, take it. Therefore, make sure you are always prepared, keep some business cards on you at all time. Take whatever opportunity you can, to ensure as many leads as possible.


#5 Insure your business

You have spent so much money and time on your new business, so wouldn’t it be traumatic if it got caught in an accident. Making sure you are protected against any problems will not only help your financial state, but it will also give you the peace of mind that you are covered and protected.


If you have started a SME and need insurance cover, then get in touch with us. We offer great insurance policies for many SMEs, so whatever you need to be covered, have a chat with us or click here for more information.

Chancellor Philip Hammond has released his Spring Statement, predicting falling inflation and borrowing. In his statement he stated that the UK economy has reached a turning point and there was ‘light at the end of the tunnel’.

He did however, rule out an end to austerity as of yet, though he did hint at a possible spending rise in the future.

Hammond stated that in his Autumn statement, he would set an overall path for public spending for 2020 and beyond, with a full detail spending review in 2019.

For this year’s forecast, the chancellor stated that growth is to be 1.5%, which is up from 1.4% prediction which was set by the Office of Budget Responsibility (OBR) in November. Yet even with all this growth the chancellor has stated that the forecast will remain unchanged for 2019/2020 at 1.3%.

OBR chief Robert Chote stated that the UK overall was borrowing less than forecasted this year due to more tax coming from self-employed workers, with revenues £2.9bn higher than predicted.


How will it affect Brexit?

The OBR has calculated that the UK will still continue to pay contributions into the EU budget until 2064. Which will be 45 years after the official date the UK plans to leave the EU. The total withdrawal bill the UK will have to pay amounts to £37.1 bn.

With Hammond suggesting that business confidence is growing throughout the Brexit negotiation process. However, the UK beat the forecast in 2017, and hoping to beat it again in 2018.


For more information on industry news and general day to day news, make sure you keep updated with our blog posts here.

Cyber attacks are becoming more and more common. Therefore, it is essential that you try your best to prevent these attacks from happening as they can be detrimental to your business. Which is why we thought we would give you some top tips to help you keep your business safe form a cyber attack.

Internet security

Avoid clicking on links in emails

Make sure you trust the person who is sending you emails and links, try not to open them directly through the email. If possible, type the sites into google separately and log on that way. This will allow you to eliminate any possible viruses getting into your system through links from emails etc.


Turn off settings that allows automatic download of attachments

Some setting on your computer automatically downloads attachments when sent over on different platforms. Make sure all your platforms have this setting switched off. It can be easy to download a virus if these setting are switched on, enabling you to download virus’ and spams.


Choose complex passwords

Make sure your password is secure and safe. Try not to create a password which makes sense as a word or phrase. Make sure you have different characters and numbers in too. This will help with the complexity of your password. It may be beneficial to use a password generator. Or take a look this site which gives you tips to create a strong password.


Update your browser, operating system, anti-virus software regularly

Making sure you have an up to date browser, operating system and anti-virus software is essential. It helps the security of your system and computer with the most up to date protection against the newest of attacks.


Encrypt data

All PCs and personal data should be encrypted so if hackers do end up in your system it will be harder for them to gain any access. Which is the best way to protect any personal data you hold on your system.


Purchase cyber liability insurance

If you do happen to find yourself with a cyber breach, then having cyber liability insurance is the best possible solution. It will cover the losses and damage, helping you to get back to business as quickly as possible.


If you would like to purchase cyber liability insurance, then get in touch with us. We will help you get the best cover suited for your needs. Click here for more information on Cyber liability insurance.