Restaurant Work Insurance

What is restaurant work?

Restaurant work covers a wide range of roles including cooking, serving, cleaning, and managing operations in a hospitality setting. It requires strong teamwork, customer service skills, and often fast-paced coordination in the kitchen and front of house.

Do I need insurance for restaurant work?

Yes. Whether you're a chef, server or manager, accidents such as burns, cuts or slips can happen. Travel insurance can cover emergency medical expenses, cancellations and damage or loss of your personal belongings while working abroad.

Why choose us?

• Specialist cover for restaurant and hospitality work
• Customisable policies for individuals or business owners
• Protection for both new and experienced staff
• No hidden exclusions – transparent cover for kitchen and service roles

What is included in restaurant work insurance?

Our restaurant work insurance includes emergency medical cover, personal accident, and liability protection. It also covers cancellation and loss or damage of your personal belongings used during your role.

Does standard business insurance cover restaurant work?

Not always. General policies often exclude specific risks tied to hospitality roles. You’ll need a tailored policy that clearly includes restaurant and kitchen duties.

Can I get restaurant insurance with a medical condition?

Usually, yes. Declare your condition when getting a quote and we’ll assess your options. Some providers may apply additional conditions or premiums.

Is there a maximum age for restaurant work insurance?

Many policies provide cover up to age 70. If you're fit and active in your role, you may still have a range of options—just check each provider's criteria.

Top international restaurant destinations

• Italy – World-famous for its traditional kitchens and authentic cuisine
• France – Renowned for fine dining and classic pastry techniques
• Japan – High standards and precision in culinary execution
• Spain – Known for regional specialities and tapas culture
• USA – Home to diverse food scenes and fast-paced kitchens

What to pack for a culinary trip

• Clean and appropriate kitchen attire
• Non-slip footwear
• Essential recipe books or notes
• Personal ID, insurance documents, and certificates
• Notebook or digital device for service planning

Common restaurant injuries and how insurance helps

Risks in a kitchen or restaurant setting may include:

• Burns from hot pans or oil
• Cuts from sharp utensils
• Slips or trips on greasy or wet floors
• Back strain from lifting heavy ingredients

Insurance helps with treatment costs, liability cover, and recovery support while abroad.

Tips for safe and efficient kitchen operations

• Keep your workspace clean and well-organised
• Follow health and safety procedures closely
• Use tools correctly and maintain them
• Wear appropriate protective gear at all times