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Restaurant Insurance

Get cover for everything from natural disasters to malicious damage, from injury compensation claims to business interruption.

RAC Restaurant Insurance is provided by Brightside Insurance Services Ltd. Products supplied by a panel of insurance companies. Details available on request.

RAC Restaurant insurance covers all forms of business interruption

Running a restaurant is an exciting, challenging and rewarding experience. You never know what each day will bring, and where your venture will take you. But restaurants are as susceptible to unforeseen events as any other business, and when the worst happens you want to be sure that your business is covered with the right insurance. 

RAC Restaurant Insurance, fulfilled by Brightside, covers everything from natural disasters to malicious damage, from injury compensation claims to business interruption. It’s designed to make sure you have the right insurance in place so you can focus on what matters to you – your customers.

What's available

Make sure your restaurant insurance is comprehensive and tailor-made to suit your exact specifications. Via the RAC you can find packages with a wide range of covers, including:

  • Public Liability

    If you open your doors to the public, you need public liability insurance. This covers your legal responsibilities for any injury caused to members of the public or damage to their property that may be blamed on your actions or those of your staff.
  • Employers’ Liability

    protects your legal responsibility for accidental death or injury to your employees that may be the result of activities connected to your business
  • Products Liability 

    As a restaurant you are supplying goods to the public in the form of food and drink. If they are injured or their property is damaged as a result of those goods (such as spillages), then product liability protects you legally and financially against possible claims.
  • Business Interruption

    If your business is damaged by fire or flood, it can be some time before you’re up and running again. Business interruption insurance provides financial assistance for an agreed period of time to cover business overheads so you can focus on getting your restaurant back into operation.
  • Contents/Stock cover

    Food and drink supplies are a major part of your financial assets. Contents/Stock cover protects them from theft or destruction by fire, malicious damage or floods.
  • Money cover

    Covers you financially against the theft of money from your premises or whilst in transit to or from your bank.
  • Glass cover

    Provides cover for the replacement of broken or damaged glass caused to your business including shop front windows and glass in display cabinets.

    Bespoke commercial insurance policies may have limitations and exclusions. Please make sure you read all the documentation as soon as you receive it to confirm you’re happy with the cover provided.

Why choose us?

At the RAC you get much more than just restaurant insurance. The bespoke insurance packages provided by our partner Brightside include a range of benefits such as:

  • Tailor made policies to suit your individual business
  • UK business centre
  • Immediate cover
  • Fast and friendly service from our highly trained and expert staff
  • Cover available for sole traders, small and medium-sized businesses

Optional Extras

There are also a great selection of optional extras to choose from, so that you get total peace of mind and restaurant insurance cover that suits your specific business needs. As well as public liability insurance, business interruption cover and a host of other business insurance, you can find:

  • Buildings cover – Your premises are vitally important to the success of your restaurant. Buildings cover protects you from the costs of damage caused to your building by fire, malicious damage or flooding.
  • Loss of Licence – At the RAC we can connect you with policies that provide protection for your business or premises in the event that you lose your liquor licence for reasons beyond your control
  • Deterioration of Stock – if your freezers break down or the electrical supply is interrupted, this extra cover protects you financially against damage to your stock and perishables.
  • Goods in Transit - protects against loss or damage caused to goods on the move in the UK.

All cover is subject to insurers’ underwriting criteria and full terms and conditions, which are available on request.


You have a legal obligation (as a buyer of commercial insurance), to disclose information before entering (or changing) a contract of insurance. We call this your duty to make a Fair Presentation of Risk.

It means that when you seek insurance, you need to volunteer and disclose all material information that is known by you (or should be known by you), which an insurer would want to know when it’s deciding whether to offer insurance cover and, if so, on what terms and at what price.

You need to make sure that facts are correct or substantially correct, and statements of expectation or belief are made in good faith.

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