Bistro Insurance

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Bistro Insurance

If you own a bistro, or even a chain of bistros. It is important to have insurance that caters specifically for your type of business; Standard commercial insurance is generally not adequate for licensed premises, bistros and other food establishments. Bistro insurance is the same as cafe insurance  there are four main types of insurance cover to consider when insuring a bistro:-

Building Insurance
If you own the building it is your responsibility to ensure you have adequate buildings insurance cover, however if you are leasing the property your landlords will normally be responsible to ensure they have a commercial landlords insurance policy in place. When running a bistro bar or Restaurant that results in large numbers of people visiting your premises the most important element of cover that a insurance policy would provide is the public liability cover you need. Public liability claims can run into hundreds of thousands of pounds.

In today’s modern society where lawsuits are becoming more frequent, it is important that you protect your business. Employer liability is another very important element of your insurance policy and you have a legal obligation to ensure you have employers liability insurance.

Bistros and eating establishments generally do not require very high levels of cover for stock however the fixtures and fittings can run into many thousands of pounds. Optional cover extensions can include cash on premises and cash in transit insurance.

As there are so many insurance policies on the market, offering similar protection it can be difficult knowing which one to choose. Be sure to read the insurance policy summary thoroughly and ensure that you are happy with any significant exclusions. It is important to ensure that your cover will protect you from all eventualities. The right insurance will provide you, your staff and your premises and its contents with adequate insurance cover, leaving you with peace of mind.

Contact UKinsurancenet on 0845 365 1264 and speak to one of our highly experienced consultants who will be pleased to give you a quotation. Or use our online service for instant results