Tips to reduce restaurant insurance premiums

by Tony on 17/10/2011 in Business Combined

Over the past few years we have seen an increasing amount of public & employers liability insurance claims made against some of our clients that own restaurants.  It is no surprise that the current claim culture is attributable for this and as a result the premiums for restaurant insurance have increased substantially.

So what can be done to minimise risk and reduce insurance premium?  Here are our top tips

• It is vitally important to have a robust health & safety policy in place.  Relevant risk assessments should reduce the potential for claims from employees and members of the public

• It is recommended that employee references are taken up as this could identify a serial claimant

• Most public liability claims in restaurants relates to slips and tips, it is important that slip & trip hazards are identified quickly and a process is in place to resolve them

• In the event of an accident occurring, if possible, seek out independent witnesses, as there might be contributing circumstances, such as a customer under the influence of alcohol

For further information on restaurant insurance, please contact Tony Gibbs on 0118 9452944 or complete one of our enquiry forms.

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