The dedicated restaurant insurance broker
Restaurant insurance policies, from a restaurant insurance broker
We are bringing bespoke restaurant insurance back.
For too long restaurants have been shelved alongside every other business, only provided with standard business insurance that ignores their unique insurance needs. Restaurants are a critical component of our nightlife industry, and therefore deserve a dedicated broker who can
protect their financial welfare.
Restaurant Insure is the UK’s top restaurant insurance broker. We cater solely to one type of business, offering bespoke policies and tailored insurance solutions. Our aim is to improve protection for operators by providing targeted cover at a better premium.
Restaurant Insure is established by NDML, the UK’s largest independent nightlife broker with
25 years’ experience protecting British hospitality.
We are bringing bespoke restaurant insurance back.
For too long restaurants have been shelved alongside every other business, only provided with standard business insurance that ignores their unique insurance needs. Restaurants are a critical component of our nightlife industry, and therefore deserve a dedicated broker who can
properly protect their finances.
Restaurant Insure is the UK’s most bespoke restaurant insurance broker. We cater solely to one type of business, offering bespoke policies and tailored insurance solutions to restaurants. Our aim is to improve protection by providing targeted cover and reduce premiums.
Restaurant Insure is established by NDML, the UK’s largest independent nightlife broker with
25 years’ experience protecting British hospitality.
Our story
Our story begins with the UK’s leading independent broker for nightlife businesses – NDML.
NDML were one of many companies forever changed by the unprecedented events of the COVID pandemic. Over two turbulent years, business finances were rocked and tested, none more so than nightlife and hospitality operators. NDML gained notoriety as a leader for the sector by their voicing against Government measures and continued work with the NTIA. In NDML’s eyes, it was imperative to fight for the survival and growth of the industry.
Throughout COVID-19, NDML worked tirelessly alongside our industry partners to protect hospitality operators. This saw us secure business interruption settlements worth over £13m for our clients, alongside lobbying for government support throughout. We also launched campaigns to promote venues, as well as recognise influential individuals to reflect the pandemic’s cultural impact.
Though some may see the pandemic over-with, for NDML the fight never stopped. Which is why Restaurant Insure was created, to bring restaurants under the umbrella of NDML’s protection, support and guidance.
Our story
Our story begins with the UK’s leading independent broker for nightlife businesses – NDML.
NDML were one of many companies forever changed by the unprecedented events of the COVID pandemic. Over two turbulent years, business finances were rocked and tested, none more so than nightlife and hospitality operators. NDML gained notoriety as a leader for the sector by their voicing against Government measures and continued work with the NTIA. In NDML’s eyes, it was imperative to fight for the survival and growth of the industry.
Throughout COVID-19, NDML worked tirelessly alongside our industry partners to protect hospitality operators. This saw us secure business interruption settlements worth over £13m for our clients, alongside lobbying for government support throughout. We also launched campaigns to promote venues, as well as recognise influential individuals to reflect the pandemic’s cultural impact.
Though some may see the pandemic over-with, for NDML the fight never stopped. Which is why Restaurant Insure was created, to bring restaurants under the umbrella of NDML’s protection, support and guidance.
Meet our team
Simon Mabb
Simon is our managing director and oversees the general performance of NDML. It’s his job to make sure that every member of our team meets the incredibly high standards we set ourselves.
Justin Romero-Trigo
Justin started our business in 1998 and has been the driving force behind our growth ever since. He created the company out of a passion for the best culinary experiences and a love of nightlife, and he’s been delivering specialist insurance cover that simply didn’t exist before, ever since.
Victoria Romero-Trigo
Victoria is one of our founders and has worked alongside thousands of hospitality and nightlife venues ever since. A passionate supporter of the restaurant sector, she works with our partner organisations to help support, promote and protect the industry as a whole.
Karl Linnecor
Karl’s role is to build relationships with insurers. He is experienced at negotiating on behalf of restaurants, and enjoys fighting for the best cover and premiums for our clients.
Michael Dawson
Miki has been with the business for nearly 20 years. He thrives on building relationships with clients and making regular client visits. Many of our policyholders have become firm friends with Miki and he loves hearing about their new endeavours.
Lee Peters
Lee's role is building strong relationships with our clients, delivering the exceptional service we're proud of. After working in nightlife for several years, Lee joined us as part of our award-winning client service team.
Steve Fleming
Steve has been working in insurance for over 25 years. Steve works with a range of existing clients and also acts to secure new business opportunities for the late night leisure sector. He is a gig enthusiast and enjoys new live music.
Meet our team
Justin Romero-Trigo
Justin started our business in 1998 and has been the driving force behind our growth ever since. He created the company out of a passion for the best culinary experiences and a love of nightlife, and he’s been delivering specialist insurance cover that simply didn’t exist before, ever since.
Simon Mabb
Simon is our managing director and oversees the general performance of NDML. It’s his job to make sure that every member of our team meets the incredibly high standards we set ourselves.
Victoria Romero-Trigo
Victoria is one of our founders and has worked alongside thousands of hospitality and nightlife venues ever since. A passionate supporter of the restaurant sector, she works with our partner organisations to help support, promote and protect the industry as a whole.
Michael Dawson
Miki has been with the business for nearly 20 years. He thrives on building relationships with clients and making regular client visits. Many of our policyholders have become firm friends with Miki and he loves hearing about their new endeavours.
Steve Fleming
Steve has been working in insurance for over 25 years. Steve works with a range of existing clients and also acts to secure new business opportunities for the late night leisure sector. He is a gig enthusiast and enjoys new live music.
Karl Linnecor
Karl’s role is to build relationships with insurers. He is experienced at negotiating on behalf of restaurants, and enjoys fighting for the best cover and premiums for our clients.
Our partners are very important to us. We are proud to say, through our partnership with NDML and the NTIA, we sit at the top table of decision-makers in the restaurant insurance scene. We are up to date on all the upcoming policy changes and how they could affect your cover.
We hope to continue to work tirelessly with our esteemed partners, but also to build new partnerships as Restaurant Insure. We promise to deliver on targets and be paragons for the industry.
Our covers
We make buying restaurant insurance simple. We’ve deconstructed comprehensive insurance policies into their core parts, offering clients a menu of covers and exclusions to choose from. We advise what policies should be within your policy, developing the perfect recipe of covers. Each client is guaranteed to receive a result they are happy with, and a bespoke solution that works.
However, we appreciate the fast-paced environment involved in running a successful restaurant. It’s why we allocate a dedicated handler to manage your case and negotiate with insurers on your behalf.
Covers any legal and compensation costs from claims as a result of damage to property, injury or death. Incidents that occur on business premises are covered as are incidents at events organised by your company. This premium will be based on your employee numbers, premise capacity and your insurance history.
Protects your business in case an employee becomes ill or injured. It also covers claims brought by seasonal employees, subcontractors, volunteers and temporary staff.
Covers the cost of compensation claims made against your business’s directors and senior leaders for wrongful acts. Wrongful acts includes breach of trust, breach of duty, neglect, errors and misleading statements.
If your restaurant shop-front window suffers damage, this insurance policy covers the cost of repair bills. It includes glass inside your premises, lettering, painting and alarms. In most cases your fixed glass and sanitary ware can be included too.
A tronc is a separate organised pay arrangement sometimes used to distribute tips, gratuities and service charges. Depending on how your tronc is calculated, we are able to cover this expense.
This insurance covers damage to goods stored in specified cold storage spaces, which occurs as a result of a change in temperature caused by a breakdown of the refrigeration equipment or accidental damage to it.
Covers costs of damage to property deposited in any cloakroom or locker room
Protects against losses from having your alcohol license revoked. It also covers the costs of reapplying for your licence. The revoking must be due to external circumstances beyond your control such as public nuisance or crime.
Covers you for loss of income and expected profit in the event of a disaster which prevents your restaurant from opening. Business operations could be interrupted due to a variety of reasons including virus breakouts, cyber attacks, flooding and fires.
If your business is situated next to an attraction or popular tourist spot, this extension will be recommended. It covers profits incase the attraction or hotspot is closed. It also provides financial cover if your venue is proven to be negatively impacted by a nearby event.
Provides cover for costs related to business interruption where a location has been shut and you can no longer access your property. The most common cause of denied access is police or military action in response to a bomb threat. It will also cover costs in the event of other catastrophes such as local property damages, flooded roads and dangerous weather.
Notifiable disease cover ensures the protection in the event of a disease caused by food or drink supplied by the venue, such as food poisoning. This policy type insures policyholders against claims of diseases caught at the venue, including the discovery of vermin, sanitary defects, and rogue organisms. This policy will cover liability for direct losses as a consequence discovered diseases or of murder or suicide occurring.
Additional covers
Insurers for losses as a result of terror-related disturbances. Specific terror cover is reinsured by Pool Re and so must be requested from an insurer. It protects against terror threats, attacks and the ranging consequences. Your business does not need to be directly involved in the attack in order to be damaged by terrorism. Bomb attacks from an assailant are more common in densely populated areas, but are not unknown to happen in rural towns. Cyber terrorism is a prevalent danger, it involves an attack shutting down systems which can directly or indirectly damage your returns. Denial of Access, Loss of Attraction and Business Interruption covers can all play a role within Terrorism Insurance.
Publicly accessible locations, such as restaurants, are responsible for reporting suspicious behaviour, and the new Protect Duty legislation is designed to make the public safer. Local businesses have a responsibility to defend against terrorism and help reduce the threat level.
Cyber Attack Insurance will protect you for losses caused by network failures, privacy breaches or data loss. Cyber Crime Insurance relates to monetary loss due to malicious action from hackers. This includes social engineering, where an employee is deceived or scammed into giving financial details or making payment to a fraudulent source.
Cyber attacks are the great 21st century threat and should be addressed acutely by restaurant owners. 90% of cyber attacks are successful; business need to do all they can to mitigate these risks. Cyber insurance will also cover against claims made by customers whose data was perhaps lost or compromised.
This extension covers the excess amount involved in a flood claim. Insurers will cover the costs if your claim falls below the excess policy, a useful safety net when the worst happens. Mitigating exposure to flooding is important, and attempting to find a large sum of money when a flood hits can be difficult. A flood excess extension may well be a necessity for high flood risk venues.
This policy ensures a smooth and extensive recovery post-disaster. This policy will help restaurants get back up and running after a fire, flood or cyber attack, it will also cover buildings and contents losses. In combination with a recovery plan, loss recovery funds will ensure the smallest interim interruption period, replacing stock or repairing premises.
Our process
Wondering how to get started switching restaurant insurance brokers?
Get started with Restaurant Insure by following three easy steps…
1
We want to hear from you
Who you are? Where you are? How many people you employ? What type of restaurant business you run? Your claims history?
We will undertake a confidential review, analysing how your cover can be improved with a positive knock-on effect to your premiums. This will allow us to find out your claims history and the state of your cover at the present. We’ll investigate if inflated claims reserves are pushing up your premium or if you have unnecessary outdated extensions. We can see whether you are underinsured, or perhaps over insured, and if there are gaps in your insurance leaving you exposed.
2
Talk to our team
We’ll arrange a call to talk to you about your options and how best we can help you.
We want to understand your needs and requirements; we believe this is the best way to build a relationship and ultimately produce the best cover. For a truly tailored comprehensive insurance, have your insurance details ready as well as information about your business. We should have a range of options readily available and, with your permission, go to insurers to ask for a better premium.
3
Accept our quote
Our team will then pitch your information to our insurers and work towards getting you the best premium possible. Once we’ve agreed upon the premium and cover options, we’ll bring you an offer you’ll hopefully accept.
Our restaurant insurance offer promises to be a comprehensive insurance portfolio tailored to your business’s needs. It will include an extensive range of policies that covers your risks. We work hard to get premiums down and deliver an insurance offer that’s in the best interest of clients.
Once you accept our offer and become a Restaurant Insure policyholder,
you get to reap the benefits.
The benefits of working with Restaurant Insure
Build a relationship with your dedicated account handler.
Extensive risk management advice.
Access our risk experts dedicated solely to restaurants.
Have a broker on hand who truly understands your business.
Cost-effective insurance premiums with comprehensive cover options.
Access to an in-house claims team with 25 years of experience.
A longstanding relationship with A-rated insurers.
A huge support network, including top industry associations.
Up to date information on high profile cases and policy changes.
Our aim is to protect the restaurant industry. From fine dining to fast-food; high street to pop-up; cafeterias, cafes and culinary classics, the restaurant business is our business. We want to protect British eateries, and that’s why we offer a comprehensive, adaptable menu of cover choices.
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"I would like to thank you for all your help with arranging my insurance. You came highly recommended from our accountant and throughout the process you haven't disappointed. My wife and I are grateful for all the assistance and guidance you have provided and we wouldn't hesitate to recommend you to anyone else."
"We were recommended to Restaurant Insure by another venue in Liverpool as our broker had let us down at renewal and we found ourselves without a quote. When I spoke to Restaurant Insure, they diligently talked us through the process and quickly obtained a quote within a few hours. They explained all the warranties and recommended covers which we went with, and the whole process was executed efficiently and professionally. Restaurant Insure really know their craft as a specialist. Just brilliant and I cannot recommend them highly enough!"
Our Clients
Convinced yet?
