Restaurant insurance – why do we need it?

Here at Todd and Cue, we like to keep our customers well informed with all the latest insurance news and today we wanted to cover the topic of restaurant insurance. As an insurance broker based in the area of Newcastle Upon Tyne, we offer a vast and diverse range of insurance coverage types, and restaurant insurance is yet another integral aspect of SME insurance that we offer. Whether you have owned a restaurant for some time, or are in the process of opening your first catering business, then restaurant insurance is essential! As our team here at Todd and Cue, aim to educate and inform our clientele about the importance of various insurance forms, we have put together this informative guide as to why restaurant insurance and explain why it is so vital…

What is restaurant insurance?

If you are conducting business within the catering and hospitality industry, it can be incredibly high-risk for incidents and accidents occurring on your premises from both employees and customers. Therefore, restaurant insurance simply covers you against these risks, as even the most stringent health and safety policies cannot prevent the occasional accident.

What does restaurant insurance cover you for?

Restaurant insurance differs depending on what insurance provider you use and cover type you choose. Here at Todd and Cue, we are devoted to offer our customers the most detailed and up to date insurance policies for their business. Our premium include..

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

If you require a full breakdown of what is counted under these sections, then download and read our full public house and restaurant policy.

Why do you need restaurant insurance?

Insuring your restaurant may not be the most appealing aspect of running your business, but it is an absolutely essential one. Yes, you do need restaurant insurance! Running a restaurant can be stress-inducing as is, so it is imperative that you do not have the added worry of insurance and how to protect your business against any claims which may arise when running your business. Conducting business in the food and catering industry can come with a plethora of risks, from accidental slips to falls or even the sale of alcohol. Therefore, mitigating against such risks with a strong and reliable insurance policy is essential as insurance can protect you and your business against myriad problems from broken equipment to liability lawsuits.

Getting a restaurant insurance quote

If you are looking to obtain a restaurant insurance quote for your premises then look no further than Todd and Cue. Our knowledgeable broking staff would be more than happy to assist you in offering you a reliable and cost-effective insurance cover quote. What’s more, if you take out restaurant insurance cover with us, our in-house claims team are dedicated to arranging a swift settlement should you even need to make a claim. We guarantee to be on hand to offer support and advice around our bespoke tailored restaurant insurance scheme, and offer one of the best available restaurant insurance covers currently on the insurance market. We will beat any like for like restaurant insurance quotes!

We hope that you have enjoyed this informative article on the importance of restaurant insurance. Todd and Cue strongly recommend that you obtain restaurant insurance to give you peace of mind over your business. If you have any other questions and queries regarding this form of insurance or wish to get a free quotation for restaurant insurance please do not hesitate to contact us  0191 482 0050 or email

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Todd & Cue has grown consistently over the years, primarily through client recommendation, to become one of the UK’s leading independent insurance brokers and risk managers. Total client focus, with excellence in all aspects of service coupled with our growing buying power ensures that you will receive competitive insurance premiums and a true value for money service resulting in a complete and cost effective package.

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