You have two choices when purchasing restaurant insurance, you either get a packaged policy or you get a bespoke policy inlcuding the sections of cover you specifically require.
Nine times out of ten, you will find that if you deal through a business insurance broker, you will be sold an off the shelf, package policy. This is the simplest, most economic way of arranging the cover.
However, in certain cases your broker may decide that the best way for you to cover, or protect, your business, is to have a special policy built just for your needs. For example, if you have restaurant, with a shop and guest house, then this is not usually suitable for the package concept. You will need to have what is called a commercial combined insurance policy. Your broker will declare all the business activities that you undertake. The policy will have a section for the business description to be declared.
The insurer will include certain sections of cover as requested. If you have employees, even if it is just family members that “help out”, then you must have employers liability insurance. It is the brokers job to recommend to you the cover that you need. As part of this job, the broker will recommend that you have employers liability cover in force.
As with every legal document though, you are obliged to look through the wording and to read and understand what cover is provided. Do not assume that the broker has not made any errors. Whilst the likelihood is very, very low that an error is made, you should always check that you have employers liability or EL, and that you have a certificate of employers liability.