Shop/Restaurant
Insurance
Running a shop, restaurant, or any other retail or hospitality business comes with unique challenges. Our Shop & Restaurant Insurance is designed to safeguard your establishment.
- All-Risk Coverage
- Reliable Services
- Personalised Support
Overview of Shop and Restaurant Insurance
Shop and restaurant insurance is essential for retail and hospitality businesses across the UK, offering vital protection against a range of potential risks. This type of insurance safeguards your premises, equipment, and stock while also providing liability cover for accidents or injuries that may occur on your property.
The insurance can also cover business interruption, workers’ compensation, and crime or fraud. It is vital for businesses to recover financially from unforeseen events like accidents or operational disruptions.
Shop and Restaurant Insurance Covers
Public Liability
Insurance
Protects your business if a customer or visitor is accidentally injured, or their property is damaged while interacting with your establishment.
Products Liability
Insurance
Covers claims made against your business due to injuries or damage caused by the products you sell or serve.
Employers’ Liability
Insurance
As a legal requirement in the UK, employers’ liability insurance protects your business if employees suffer work-related injuries or illnesses.
Business Interruption
Insurance
Legal Expenses
Insurance
Holistic Coverage for Shops and Restaurants
Protect your shop or restaurant with our comprehensive insurance solutions, designed to safeguard every aspect of your business.
Who Is Shop and Restaurant Insurance For?
Our shop and restaurant insurance is tailored for SMEs across the UK, ranging from small boutiques to large, multi-location restaurants. It provides essential protection for businesses in retail and hospitality, ensuring peace of mind and financial security.
Protect your assets, employees, and customers.
Comply with UK legal requirements for liability coverage.
Secure your business today with a policy that fits your needs perfectly. Speak to our team for a personalised quote.
Why Is Shop and Restaurant Insurance Important?
Shop and restaurant insurance is crucial for safeguarding your business from unforeseen risks that could lead to financial losses. It provides comprehensive protection, ensuring the continuity of your operations in the face of unexpected challenges.
Insurance provides a safety net by covering liabilities, repair costs, legal fees, and even income lost due to interruptions. It is important because it lets you focus on growth and quality service.
Why Choose SIS Shop and Restaurant Insurance?
At SIS, we specialise in providing expert insurance solutions for SMEs across the UK. Our shop and restaurant insurance policies are designed to protect your business against a wide range of potential risks, giving you the confidence to focus on what you do best—running your business.
Flexible Policies
Affordable Rates
Simple, Hassle-Free Process
Our Simple, Clear, and Hassle-Free Process
Report the
Incident
Submit Related
Documents
Assessment &
Evaluation
Receive Your
Compensation
Explore Our Wide Range of Coverage Options for Your Business
Our shop and restaurant insurance policies cater to businesses across various sectors. Whether you operate a pub, restaurant, hotel, salon, or any other establishment, we offer customised insurance solutions tailored to meet your unique requirements.
You can select cover options from property damage, deterioration of stock, business interruption to goods in transit insurance, money insurance, loss of liquor licence insurance, and personal accident insurance. Just state your need and explore our cover options.
Get in Touch with the Best Shop and Restaurant Insurance Brokers
Looking for expert advice on your business insurance needs? Our specialised shop and restaurant insurance brokers are here to help.
Protect your business with the best. Speak to our friendly team to discuss your requirements and explore the ideal insurance solutions for your shop or restaurant.
Interested in Knowing More? Get Answers to FAQs.
Have questions about our shop and restaurant insurance policy? We’ve got answers! Browse through our most commonly asked questions to find the information you need.
Why get shop insurance?
Accidents can happen at any time, and it’s crucial to protect your business from potential claims. Shop insurance safeguards your business from significant financial losses caused by unforeseen events, such as adverse weather, employee accidents, or operational issues. With shop insurance, you can stay on track and shield your business from worst-case scenarios.
Do I require restaurant business insurance?
If you own or operate a restaurant, certain types of insurance are legally required. For example, employers’ liability insurance is mandatory to cover situations where an employee gets injured or ill at work. Additionally, restaurant insurance provides protection for scenarios such as customer claims for food poisoning or other incidents, ensuring your business is secure and giving you peace of mind.
Does a shop need public liability insurance?
Public liability insurance is not legally required, but it is highly recommended. It protects your business from claims made by members of the public for injuries or damages caused on your premises or due to your business activities. It also demonstrates a responsible approach, enhancing your reputation and building trust with customers.
Do I require employers’ liability cover for my business?
Yes, employers’ liability insurance is a legal requirement in the UK for most businesses that employ staff. It protects your business by covering the costs of compensation claims if an employee is injured or becomes ill as a result of their work.