Restaurants come in all shapes and sizes, and regardless of what type of restaurant business your client runs, they will need a product which covers all aspects of their business activities. Our Restaurants product is a commercial combined package policy with the flexibility to suit a variety of businesses and activities.   

Types of Restaurants Covered 

We cover many different types of restaurants including:  

  • Cafés (including deep fat frying but not range) 
  • Restaurants/Bistros (including deep fat frying but not range) and covering all types of cuisine and of all nationalities 
  • Snack/Sandwich Bars (including deep fat frying but not range) 
  • Internet Cafés 
  • Fish and Chip Shop Restaurants 


As you would expect from a comprehensive policy we provide cover for all aspects of your insured’s business including as standard covers such as: 

  • Electronic business equipment 
  • Glass 
  • Goods in transit  
  • Deterioration of Stock 
  • Loss of Rent payable 

Tailored Features and Extensions: 

We recognise that each business has different requirements, and do not believe in the ‘one approach fits all’. Because of this we have optional extensions which you can easily add to your policy, giving your client total peace of mind.  

Such covers include:  

  • Work Away cover available for outside catering 
  • Loss of Licence for premises that also serve alcohol  

We have many more so please ask about any specific cover that your client may require and we will do our best to accommodate. 

  • Legal Expenses

    Though a business may be run to high standards and in accordance to regulations including health and safety, there is always the risk of exposure to a legal case. Our Legal Expenses comes as a quick and simple add on that offers your client peace of mind and cover in the event they find themselves in the situation where they need legal assistance.

  • A-rated Capacity

    Gresham Underwriting is a Lloyd’s Cover holder and is able to utilise both Lloyd’s and Company market capacity. We only ever use A-rated carriers. Our Restaurant package policy is placed under binding authority with AXA & Axis.