Restaurant insurance FAQ

You are required to have employers' liability insurance if your business has employees. The requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work they do for you. The policy will cover your legal defence costs and will pay compensation to the employee if you have been negligent.

This provides protection for your legal liability for accidental death or bodily injury caused to third parties (the general public) or damage to their property. This must arise out of your business activities for which you or your employees are negligent. Importantly it will include members of the public visiting your shop.

It does NOT cover the costs of rectifying faulty workmanship.

Damage to goods being delivered is not automatically covered but can be included as an extension. If you require a quotation for goods in transit please call us on 0844 892 1384.

This provides protection for your legal liability for accidental death or bodily injury caused to third parties (the general public), or damage to their property arising from goods sold or supplied and must arise out of your business activities for which you or your employees are negligent.

It is easier perhaps to say that it doesn't literally mean that anything and everything is insured, as there are a number of exclusions. "All Risks" has emerged as a term to embrace a wide range of different standard "perils" that insurance policies have traditionally provided cover against. These include perils such as fire, lightning, earthquake, impact, aircraft, explosion, malicious damage, escape of water, storm damage, flood etc but additionally will include accidental loss or damage.

NOTE: The term does still have exclusions which typically are damage as a result of:

• Wear and tear and depreciation
• Gradual deterioration
• Rust, corrosion or discolouration
• A change in temperature
• Insects, vermin, pets
• Woodworm
• Electrical and mechanical breakdown

This list is not exhaustive as wordings vary from insurer to insurer, and it is essential to check the policy wording applicable to your policy.

Insurers also define 'All Risks' differently. It is not uncommon for theft, subsidence, heave, landslip and sprinkler leakage to be treated as specific perils in their own right and thus NOT include them under the heading of "All Risks".