Restaurants / Cafés / Takeaways Insurance

Professional Insurances for All Types of Food Retail Businesses

Welcome to Restaurants / Cafés / Takeaways insurance from AIC

Most independent High St insurance brokers have access to around 30 different insurers whilst we at AIC have over 140, that’s why our Food Retail Business Insurance rates are noted as being some of the best available. Whilst price is very important we know good service is also paramount and our staff, based in our Hemel Hempstead office, are very keen to help you find the right cover which is bespoke to your business.

We pride ourselves on finding the right solution for our customers and we can quickly assess your needs with guidance on pricing, try our ‘quick quote’ button where we aim to respond within just one hour (within usual office working hours 9-5 Mon-Fri).

What does this policy cover?

Premises

From the Building Construction to the Fitted Tenant Improvements, if you own the buildings this might be your most valuable asset, so talk to our team about ensuring cover is correctly placed.

Contents & Stock

Keeping any business running smoothly is difficult at the best of times, but in the event of a catastrophe such as a fire or flood and you need to know your insurance is in order. Our team are happy to help you set the cover you need correctly, so give us a call.

Business Interruption

Covering your businesses in case it suffers a closure from trade is one of the most important parts of a good insurance package, so it’s always worth speaking to us to ensure this cover is correct for you.

Public & Employers Liability

Ensuring the staff are covered for all their activities whilst carrying out their duties, as well as protecting the public.

Legal Expenses

Covering legal costs when the business needs it most can be very inexpensive if cover is purchased in advance.
What’s included?
  • Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.

  • A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.

  • Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA

info@aicinsure.co.uk

Restaurants / Cafés / Takeaways Insurance Solutions

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Cafés

Whether you need to cover the buildings, contents or liabilities, we can build a bespoke package of cover just for you. We have access to lots of insurers, ensuring a competitive price every time.

Restaurants

From pop-up’s to high end High Street Premises, and whether you’re serving just a select few customers or catering for many covers, we appreciate your business needs the right insurance. Our consultants have years of experience placing such packages so why not call the team now.

Takeaways

Catering to the masses can be stressful enough, without having to figure out whether your business is correctly insured, so why not speak to our team and let us take care of that worry for you.

Need help?

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

How to make a claim

Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.

Accreditations and Awards
Frequently Asked Questions
  • Good question, and it depends on exactly what type of business you are running. Perhaps you are a pop-up business changing venues, or you won premises and you’re open to the public. One of the basic covers to start with would be Liability insurance, and this can be set to protect the Public, Employees or Products. Then there’s your premises which may include the building, business equipment and some stock perhaps.

    The list goes on and on, and our site lists most covers you might need, but even better give one of our experienced and happy staff at AIC a call to discuss your business in more detail.

    Visit our main website page for Restaurant Cover and Quotes by clicking here.

  • We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.

    There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.

  • Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

  • With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

    A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

  • We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

  • There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

    The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

    By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

  • Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA

info@aicinsure.co.uk