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Restaurant insurance

At Clear Insurance Ireland, we understand that every restaurant, café or food establishment is unique, with its own set of risks and needs. That’s why we offer a standard cover that includes various types of protection to keep your business safe and secure.
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At Clear Insurance Ireland, we understand that your business needs may differ from others

Which is why we can tailor packages to suit your specific needs. Whether you’re a small restaurant or a well-established café, we can design a suitable package to meet your particular requirements. We also offer flexible payment options, spreading the payments over six or ten months, providing you with the peace of mind that your business is adequately protected. 

Cover for restaurants

Property damage

Property damage

Covering accidental damage to your physical property and assets. This means you can rest assured that any damage caused by fire, natural disasters or other unforeseen events will be covered.

Stock cover

Stock cover

Protection for your frozen foods, as well as any wines, beers and spirits that you may have in stock. This coverage ensures that any losses due to spoilage or theft will be taken care of.

Business interruption

Business interruption

Covering any loss of income you may suffer as a result of a temporary closure of your business due to an insured event. This means you can continue to pay your bills and employees while your business is closed.

Public and Product liability

Public and Product liability

Protects you against any claims made by customers or third parties due to injury or damage caused by your products or services.

Employers liability

Employers liability

Required by law in the UK and covers any claims made by employees who have suffered injury or illness while working for you.

Commercial legal protection

Commercial legal protection

Provides free legal advice helplines to help you with any employment disputes you may face.

Money

Money

Protects your cash and other valuable items.

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Frequently asked questions

How much is insurance for a small restaurant?

The cost of insurance for a small restaurant can vary depending on several factors such as the size of your restaurant, location, number of employees, and the types of coverage you need. It’s best to consult with an insurance provider to get an accurate quote tailored to your specific needs.

Why does restaurant insurance vary?

The cost of restaurant insurance can vary depending on several factors such as the size of your restaurant, location, number of employees, and the types of coverage you need. It’s best to consult with an insurance provider to get an accurate quote tailored to your specific needs.

How much is business insurance for a restaurant?

The cost of business insurance for a restaurant can vary depending on several factors such as the size of your restaurant, location, number of employees, and the types of coverage you need. Common types of coverage for restaurants include property damage, liability insurance, and workers’ compensation insurance. It’s best to consult with an insurance provider to get an accurate quote tailored to your specific needs.

What kind of insurance does a restaurant need?

Restaurants typically need several types of insurance coverage, including property damage insurance to protect the physical property and assets, liability insurance to protect against claims made by customers or third parties due to injury or damage caused by your products or services, and workers’ compensation insurance to protect employees who may suffer injury or illness while working. Additional coverage such as business interruption insurance and liquor liability insurance may also be necessary depending on your specific needs. It’s best to consult with an insurance provider to determine the types of coverage your restaurant needs.

Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

Trade specialists

We offer broad and bespoke sector specialist insurance solutions for peace of mind.

Over 40 years of experience

Over 40 years of experience

We have been serving the Irish business community since 1982, and we are committed to maintaining the highest standards of knowledge, ethical practice and advice.

Exceptional service

Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients. We live by our tag line of ‘’do the right thing’’ for our clients, staff and insurers.