Restaurant Property Insurance Cover

Jersey is famous for good food and islanders are spoilt for choice with places to eat. From beachside diners to elegant, fine dining venues, the restaurant scene is vibrant. However, in the wake of Covid-19 it has seen its most challenging period to date, with closure taking its financial toll on many businesses and property owners. As the industry begins to awaken and recover, there has never been a more important time for restaurant property owners to protect their business with a solid property owners policy.

As a business property owner, Jersey Mutual can work with you to design the perfect insurance cover to protect you against unforeseen incidents such as flood or fire. Our specialist insurance includes protection for your building and assets, plus loss of rental income and property owner liability insurance.

Whether your ambition is to own your dream restaurant by the sea, a cosy bistro or even a chain of eateries, Jersey Mutual Restaurant Property Insurance will provide you with the peace of mind you need to establish your unique restaurant vision.

Insurance cover catered to your restaurant business

In a bustling restaurant environment, property owners are exposed to a unique set of risks every day. The kitchen is the beating heart of the business and, of course, a hot spot for accidents. Fire is a real hazard in the day-to-day running of a restaurant and can lead to devastating repair and refurbishment costs. Jersey Mutual Restaurant Property Insurance will cover damage to your building, to protect the financial security of your business.

Jersey Mutual Restaurant Property Insurance offers the reassurance of these key covers as standard, with the option of additional cover tailored to your needs:

Commercial buildings insurance – including (but not exclusive to) unforeseen events such as theft, malicious damage, fire,  and escape of water.

Business interruption – if your property is forced to close for a time following an insured incident, then we will make up the shortfall in your income.

Property owners liability – public liability insurance to cover you for personal injury to visitors and customers, as well as your defence costs in the event of a legal dispute relating to your commercial property.

Depending on the type of premises you own and your business priorities, you can pick and choose how you’d like to be covered. For more information view our Commercial Property Owner’s Insurance Prospectus.

Why restaurant property owners choose Jersey Mutual

Jersey Mutual have been trusted providers of business insurance for over 150 years and can offer you the benefit of our experience plus valuable local knowledge. We understand the risks involved in running a restaurant and can advise you on exactly what insurance cover you need to protect your business.

As a Member of Jersey Mutual, you will also benefit from the following personal touches:

  • No brokers or third-party involvement. Your Restaurant Property Insurance policy is held and handled personally by senior members of our staff.
  • No administration fees or agent commissions.
  • Real people who really care.

Rest assured we will deal with any claim directly, swiftly and with absolute confidentiality. You can be certain that we have your best interests at heart and it is our priority to help keep your business thriving.

Please call 01534 734246 or email to talk to us about your restaurant insurance requirements and obtain a quotation.

Please call 01534 734246 or email to obtain a quotation.


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