6 Common Non-Disclosures Restaurants Make When Buying Insurance

Running a restaurant today involves more than great food—it’s about offering a complete experience. From wood-fired cooking to outdoor dining and live events, each feature adds appeal but also introduces unique risks. To ensure your business is protected, it’s essential to disclose all relevant information to your insurer.

1. Wood-Burning and Charcoal Cooking Facilities

Many restaurants now use wood-burning ovens or charcoal grills to enhance flavour and authenticity. However, these cooking methods come with higher fire risks.

Insurers must be informed about this equipment to ensure you receive appropriate cover. They may require:

• Additional fire extinguishers

• Fire suppression systems

• Regular chimney cleaning

These are often outlined in UK fire safety regulations for commercial kitchens, which insurers expect you to follow.

2. Outdoor Seating Areas

Outdoor seating boosts customer numbers and increases revenue, especially in warmer months. However, it also brings risks such as:

• Accidents involving customers or passers-by

• Damage from severe weather

• Theft or vandalism

Clear disclosure allows your insurer to include liability and property protections that reflect these exposures.

3. Live Entertainment and Events

Live music, DJs, and other events create a lively atmosphere—but they also increase crowd size and risk.

This can impact:

• Public liability exposure

• Licensing obligations

• Security measures

Your insurer needs to be informed to include the appropriate entertainment cover in your policy.

4. Extended and Late-Night Operating Hours

Restaurants that operate into the late hours face increased exposure to:

• Anti-social behaviour

• Theft or vandalism

• Staff safety incidents

Be sure to disclose your operating hours fully, as some insurers may require extra security or limit cover for night-time activity.

5. Alcohol Sales and Licensing

If your restaurant serves alcohol, this changes your risk profile. Whether it’s a minor or major part of your business, you must disclose:

• Your licensing status

• The volume of alcohol sales

• Whether drinks are served on or off the premises

This ensures appropriate liquor liability cover is included. If you’re just starting out, you can find guidance on registering a food business in the UK, including licensing requirements.

6. Delivery and Takeaway Services

Offering takeaway or delivery—either through staff or third-party platforms—adds new risks such as:

• Food safety in transit

• Vehicle-related liability

• Claims from third-party drivers

These risks differ from dine-in services and must be disclosed so your cover can be adjusted accordingly.

Action Points for Restaurant Owners

To ensure your insurance remains effective:

• Conduct regular risk assessments.

• Keep your insurer updated about all operational changes.

• Review your policy annually to confirm alignment with your current business model.

Premier Insurance – Tailored Cover for Your Restaurant

At Premier Insurance, we understand the restaurant industry. Our team offers specialist advice and support to ensure your cover reflects your unique risks. From cooking methods to customer experiences, we help you disclose the right information to stay fully protected.

Get in touch today to discuss your restaurant’s insurance needs with confidence.