Fast Food & Restaurant

This product consists of a panel of two insurers:

1. AmTrust Europe Ltd & Ascot Group’s Syndicate 1414 at Lloyd’s
2. Ascot Group’s Syndicate 1414 at Lloyd’s

Tailored Liability & Property Insurance for Restaurants & Takeaways
Public, Products & Employers’ Liability Included Standard
Appetite Extends to Cafés and Fish & Chip Shops
FREE £250,000 Loss of Profits Cover
FREE £2,000 Goods in Transit Cover
FREE Personal Assault Cover

Our Fast Food & Restaurant product is suitable for restaurants, cafés, and takeaways. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, and book debts combined with public, products and employers’ liability insurance. AmTrust Euope Ltd underwrite the material damage cover and Ascot underwrite the liability sections of cover.

In addition, the product also provides the option to cover legal expenses and terrorism cover. Furthermore, the product can be extended to include liability insurance for catering activities away from the premises.

The product is not suitable for restaurants and/or takeaways that do not trade from a permanent fixed premises.

Features and Benefits

  • Removal of Debris Cover
  • Denial of Access Cover
  • Loss of Metered Water – Up to £5,000
  • Index Linking
  • Loss of Utilities Cover
  • Closure of Premises Cover

For further information on Limits and Exclusions please click here (AmTrust Europe Ltd & Ascot Group’s Syndicate 1414 at Lloyd’s) and click here (Ascot Group’s Syndicate 1414 at Lloyd’s) to download the policy documentation.

Optional Extras

  • Legal Expenses Cover
  • Terrorism Cover
  • Outside Caterers’ Liability Cover
  • Loss of Licence Cover

Insurer Rating


AM Best


AmTrust Europe Ltd



Ascot Group’s Syndicate 1414 at Lloyd’s