Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK cafes — quotes are provided directly by FCA-authorised insurers, not by us.
🤝 Partnerships launching soon
Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Even a small café kitchen carries fire and food-related risks similar to a full restaurant — and insurers ask the same questions regardless of how compact your cooking setup is.
Whether it's a full fryer or a small table-top or basket unit used occasionally, insurers classify deep-fat frying as a distinct, higher fire-risk activity. Not declaring it — even for "just" a basket fryer — can put a related claim at risk.
If a fryer is used, policies often set conditions around extraction cleaning and canopy maintenance, even for smaller setups. Breaching these can see a kitchen fire claim declined.
Natasha's Law requires full allergen labelling on pre-packed food. Documented allergen information and staff training help demonstrate reasonable care if a customer has a reaction.
Hospitality has one of the highest rates of non-fatal workplace injury in the UK. Insurers expect to see cleaning schedules, hazard signage and staff training records as evidence you manage this risk.
Anyone using a fryer, even a small one, should be trained in safe filling levels, oil temperatures and safe emptying — and this training should be documented.
If you take cash payments, declare typical overnight takings accurately — money cover limits are usually lower outside trading hours unless cash is kept in a rated safe.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
Compare insurance for similar trades and businesses.
Compare from leading UK insurers. Free, fast and no obligation.