Independent restaurant insurance

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Does Expression provide the best restaurant insurance?

You’ll be the judge. We do offer what independent restaurants have told us they really want – insurance that’s easy to understand, is competitively priced and provides a great claims service when you need it. We are fans of independent businesses, just like yours. You aren’t a number; you are creative and unique, owning your own culinary niche on the high street, producing exciting and memorable menus and cultivating a long-term relationship with your diners.
Our approach to insurance is the same, and we’d be delighted if you were to join us.

What kind of insurance does my restaurant need?

You need a policy that provides protection if the worst were to happen. This could include Stock and Contents insurance, Employers Liability, Public Liability and Products Liability Insurance. A simple package which includes all of this and more is available to our customers.

As insurers, we knew that big chains employ experts to choose their insurance and haggle on price. We wondered what independents do?

So, we talked to our local restaurants and they told us that they'd love a package of covers with the best price offered to them first time. And, if this could be put together in a plain-English, time saving way, then all the better.

Much like choosing the best ingredients for a new recipe, we spent over three years meticulously designing how our product would work, and who would be the best underwriter. That’s why we chose to work with Berkshire Hathaway, one of the most secure companies in the world (AA+ S&P). Their solidity, and our commitment to independent restaurants, has meant we are able to include all of the following as standard:

On your side

Our policies are designed for shops and restaurants like yours. Our service is too.

Interest-free
monthly payments

A built-in discount
for good customer reviews

A guarantee of our
best price at renewal

Our expert claims team
use local tradespeople

Cover for home deliveries

Time saving and clarity is built-in to everything we do

Is purchasing restaurant insurance complex?

We offer three easy insurance packages, small, medium and large. They all include Public Liability, Employers Liability, cover for Stock and Contents, Legal Expenses, Business Interruption and Loss of Licence – all the things restaurants have told us they need. As you increase your package size, the amount of cover increases along with the price. You can use our online slider to choose which package is best for you – it couldn’t be easier.

Our people are restaurant insurance specialists. If you have any questions, or want to make tweaks, we are on hand to help. And our UK Claims Team bring personal service.

Do you offer cheap restaurant insurance?

No – cheap suggests something that’s flimsy and poorly constructed, and that’s definitely not Expression. We offer our policies for a price that we hope will save you money, and will represent excellent value. Like you, we know it’s the experience that counts, and we are confident that you will have a great one!

What is restaurant insurance?

Restaurant insurance is important as it seeks to protect your restaurant when things go wrong. The world is a complicated place, bad things can happen, some common and some very unusual. With this in mind, restaurants will look to insure the cost of replacing food and alcohol along with general contents such as the nice fixtures and fittings that decorate your dining space, and the professional kitchen equipment used by your chef. Common reasons for a claim include fire, theft, and flood.

It is a legal requirement to purchase Employers Liability Insurance if you employ a member of staff, such as waiters for front of house. All of the Expression policies include £10m of Employers Liability cover.

As your eatery is all about your diners, you will also need to consider Public Liability Insurance. If a member of the public is injured or their property damaged, and you are found liable, our insurance policy would pay the damages, including claimant’s costs and expenses. The Expression Insurance packages start at £2m Public Liability for small restaurants and moves up to £5m Public Liability cover for medium and large.

The most common scenario for a liability claim is a slip or trip, for example:

‘you forgot to repair a loose tile and a customer trips over breaking their leg and smashing their phone’ (A good reminder - fix anything like this when you first spot it!)

You need to fulfil your part of the insurance bargain too, by taking reasonable precautions to prevent bad things happening. This means having appropriate security precautions in place, maintaining your property properly and obeying the law – especially in terms of health and safety. If both sides do the right thing, insurance should not be complicated.

How much does restaurant insurance cost?

The cost of restaurant insurance can increase or decrease for several reasons, and these can change based on the insurance company you choose to work with. We look at traditional factors such as where your restaurant is located. We also look at your customer reviews. If you are doing a good job and getting lots of positive reviews, we think you should be rewarded with a discounted price - a well-run restaurant that pleases its customers will be a good insurance customer. Other factors that affect the price include the size of insurance package you require and how many claims you may have made in the past. Some insurance companies will automatically increase premiums at renewal - but not at Expression, we will always give you our best price every year. Some companies also charge administration fees - we will never do that - you shouldn’t have to pay for documents, or for getting help when you need it - that’s what we are here for!

We are proud to insure

Fourth & Church

We found Expression Insurance very straightforward to deal with.

Efficient, prompt communication for all of our questions relating to the right amount of coverage, answered in a straightforward fashion.

We have additional coverage for an improved premium and feel comfortable that we will be assisted quickly should we need help in the future.

Paul, Founder