Peacocks Restaurant Insurance policies are specially designed to meet your exact insurance needs.
Running a restaurant business can be a very hectic, time consuming and stressful affair which is why we understand at Peacock Insurance that being safe in the knowledge that your business is properly and adequately covered insurance wise is one less thing for you to worry about. Our restaurant insurance polices are tailored to meet your exact needs ensuring that you can concentrate on your core business, namely satisfying your customers appetites and, as with any other business, ensuring their return and recommendations.
With our comprehensive list of insurer partners, we can find a policy to cover all restaurants including Indian restaurants, Chinese restaurants, Thai restaurants, Italian restaurants, French restaurants, or indeed closer to home to the Great British Carvery.
As with most Restaurant insurance policies, typical standard covers would include :-
Public Liability Insurance - cover for eventualities which include any third party who suffers loss, damage, injury or death due to your negligence whilst carrying out activities in connection with your business. It covers the costs of legal fees, expenses and subsequent damages awarded against you. Whilst Public Liability Insurance is not a legal requirement, it is absolutely essential.
Products Liability Insurance - again, covering your legal liability in the event of an accident or injury to third parties due to the sale or supply of goods.
Employers Liability Insurance - much the same as Public Liability Insurance but differs in so far as firstly it is a legal requirement to have this insurance in place if you employ any staff. The Health and Safety Executive has the powers to close down your business permanently if Employers' Liability insurance is not in place. It covers any claim for loss, damage, injury or death by an employee or their family if proven that you were negligent and could have prevented their loss.
Material Damage Insurance - covers the contents (i.e. fixtures and fittings / stock in trade) of your restaurant against loss or damage.
Business Interruption Insurance - covers the loss of profits from your business arising from insured events such as a fire. Four out of five businesses go bankrupt after such an event if they are not adequately covered in this respect.
Glass and sanitary ware cover - e.g. breakage of windows and toilets
Money cover - Cover for money held on or off the premises, in a safe, in transit or at the dwelling of named personnel. Standard indemnity limits vary.
Goods in Transit Insurance - Cover for your own goods whilst in transit.
Personal Accident Insurance - Including death, permanent total disablement, temporary total disablement, loss of one or both eyes, loss of one or more limbs etc.
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