Restaurant Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Restaurant insurance

We have supplied insurance and risk management solutions to restaurants of all sizes since 1982. James Hallam is an independent Lloyd’s broker, and hundreds of restaurants across the UK trust us to deliver expert advice and market-leading solutions at a fair price.

What is restaurant business insurance?

Restaurant insurance is a specialist form of business insurance that is designed to cover restaurants from the unique risks associated with preparing and serving food to members of the public.

Most restaurant insurance packages include public liability insurance and employer’s liability insurance. This will cover your staff and your customers for a range of risks, including cuts and burns sustained from preparing food, to illnesses and allergic reactions as a result of consuming your food.

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Who needs restaurant insurance?

If you employ staff, you have a legal requirement to get employer’s liability insurance. Yet even beyond your legal obligations, all restaurants should consider getting some form of insurance cover.

Without adequate cover, you could be personally liable for any losses your restaurant business experiences. Whether it is loss of income following a fire or a flood, or legal action following an outbreak of food poisoning, the costs can soon mount up, meaning that even a small setback could end up costing you thousands.

Dedicated restaurant insurance will cover you, your staff, and your customers from a range of risks, ensuring you will be able to recover from almost any unexpected situation.

What does restaurant business insurance cover?

A restaurant insurance package can include the following:

  • Public liability insurance – Covers any compensation and legal fees for customers should they sustain any illnesses or injury as a result of using your business.
  • Product liability insurance – Covers compensation and legal fees for customers should they sustain illness or injury as a result of consuming your food (e.g. food poisoning, allergic reactions).
  • Employer’s liability insurance – Covers your staff for any illness or injury they may sustain while working for you (e.g. cuts or burns from preparing food).
  • Contents insurance – Covers your business content, from your cooking utensils and equipment to your furniture and decoration, for loss or damage following fire, flood, or theft.
  • Stock insurance – Cover for your stock, e.g. for loss of income you may experience if your food goes bad due to a faulty freezer.

Commercial restaurant insurance

The level of cover you need may vary depending on the scale of your business. For instance, if you run a commercial restaurant or kitchen in a hotel, we can help you with specialist commercial restaurant insurance, to cover the increased costs and risks associated with repairing and replacing large-scale kitchens.

We are here to help.
Call us on 0330 024 0755 or email enterprisenb@jameshallam.co.uk

Why choose James Hallam for your restaurant insurance

All restaurants are different, so an off-the-shelf restaurant insurance package may not cover you for all the risks you face. Or it may include certain forms of cover that do not apply to you, which means you could end up paying too much for cover you do not really need.

Choose James Hallam and we will take the time to get to know you, your restaurant, and your customers. Once we fully understand the unique risks you face, we will design a bespoke restaurant insurance package that meets all your needs at a truly competitive price.

Meet your team leaders

Rob Marshall

Head of SME
M: 07934 144096
Email Rob

Martin Fagan

South East Team Manager
T: 01245 204561
M: 07817 320754
Email Martin

Louise Lennon

Scotland Team Manager
T: 01387 272610
M: 07759 835174
Email Louise

Marie Speirs

South West Team Manager
T: 01752 675481
M: 07742 880770
Email Marie

Testimonials

James Hallam (Previously AIM Risk Services) has been our recommended broker for a range of tailored products for BASC members since 2013. Our members want to deal with people who speak their language, understand their insurance needs and provide a friendly personal service – which is what James Hallam provides. The feedback that we get back from members is really positive. James Hallam has been a great choice of partner for us – I wouldn’t hesitate to recommend them.”

David Ilsley
Head of Marketing and Membership Services
BASC

We have worked with James Hallam for almost twenty years and their partnership with us helps us to work as efficiently as possible. As a property business with a broad portfolio, we have quite complex insurance requirements. I always find the team reliable, quick to respond and easy to deal with. Under their careful watch we are always assured of being up-to-date and fully insured.

Angela Worsell
Office Manager, Itaris Properties Ltd.

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Martin Fagan

South East Team Manager

Martin Fagan manages the South East SME team. His insurance career started in 1996, where he was originally a lead generator. The company successfully grew and was set up as an SME Brokerage in 2000. Since then, he has managed & developed the SME team offering which is specialist and customer focused. In 2007 the company was acquired by James Hallam and it continues to go from strength to strength as a specialist SME division.

Originally from London, Martin enjoys travel and is particularly fond of California. He considers himself to be a bit of a foodie and loves to cook. He is more than a bit of a self-confessed geek and a huge Doctor Who fan.

T: 01245 204561
M: 07817 320754
martin.fagan@jameshallam.co.uk

Rob Marshall

Head of SME

Rob joined James Hallam in January 2024 having held various specialised broker roles in the SME space over the last 8 years, including developing digital products and solutions, as well as managing teams with a focus on exceptional service and putting clients at the heart of everything. For the ten years prior to this, he developed a wealth of client-facing and insurance technical experience in a variety of roles which helps informs his strategies of development customer-centric solutions. Rob has attained the distinguished Chartered Fellowship accreditation from the Chartered Insurance Institute and has a passion for employee development and progression.

M: 07934 144096
Robert.marshall@jameshallam.co.uk

Louise Kennon

Scotland Team Manager

Louise’s insurance career began in 1999, working initially as a Trainee in Private Clients within a community based Brokerage. She duly became a Commercial Account Executive in 2010. The Brokerage was acquired by James Hallam in 2017. Following further local acquisitions, a major restructure of the operations in Scotland was undertaken leading to a dedicated SME Department being formed in Dumfries.

Louise has always lived and worked in Dumfries. Much of her spare time is taken up by her two children but when she does get time to herself she likes to eat out as much as possible, anything to save her doing the cooking and washing up.

T: 01387 272610
M: 07759 835174
louise.kennon@jameshallam.co.uk

Marie Speirs

South West Team Manager

Marie’s insurance career began in 1986, working initially as a Trainee in a national broker. She spent many years being an Office Manager and Sales Associate for a rural insurer and then decided she wanted a more varied career and moved to WPS Insurance Brokers as Commercial Account Handler in 2017.  The broker was acquired by James Hallam in 2020.  Following the acquisition, Marie took on the role of team manager of the newly formed SME team in the Southwest, now managing teams in Plymouth, Penzance and Torquay.

Marie has always lived and worked in Plymouth loving being close to the sea and also the countryside.  In any spare time she gets she enjoys travelling and visiting new places.

T: 01752 675481
M: 07742 880770
Marie.Speirs@jameshallam.co.uk

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