UKInsuranceLegally Required
Insurance Schedule & Requirements
Summary of all insurance policies required and held by your business.
What this document covers
Employers' liability insurance is a legal requirement if you have any employees. Beyond that, public liability, product liability, buildings, contents, and business interruption insurance are essential for restaurants. This document tracks all your policies, renewal dates, and coverage levels.
Key sections included
- Employers' liability (compulsory)
- Public liability
- Product liability
- Buildings and contents
- Business interruption
- Policy schedule and renewal tracker
Frequently asked questions
What insurance is legally required?
Employers' liability insurance (minimum £5 million) is the only legally compulsory insurance. But operating a restaurant without public and product liability insurance would be extremely risky.
Document details
- Legal basis
- Employers' Liability (Compulsory Insurance) Act 1969
- Enforced by
- HSE (for employers' liability display requirement)
- Penalty for absence
- Employers' liability: fines up to £2,500 per day without valid insurance, plus £1,000 for not displaying the certificate.
- Category
- Insurance & Liability
Generate your Insurance Schedule & Requirements in minutes
Customised with your business name, address, and details. Legally referenced. Ready to print and file.