from AED 1,500 | DM & ADAFSA Compliant | eSanad
Premier Restaurant & Cafe
Insurance UAE 2026
Protect your food & beverage business with the UAE’s most trusted insurance. From fine dining restaurants to local cafes, we compare 35+ underwriters to secure your property, liability, and staff.
35+
Partners
1.5 M+
Customers
1.5 M+
Policies
Proposal Details
Rate Matrix 2026 Benchmarks
Annual premium benchmarks for restaurant and cafe insurance in the UAE. Rates are based on F&B format and sum insured for assets and liability.
| F&B Format | Sum Insured (AED) | From AED/year |
|---|---|---|
| Kiosk / coffee cart | 200,000 | 1,450 |
| Cafe (30 seats) | 500,000 | 2,800 |
| Fast-food (QSR) | 800,000 | 4,200 |
| Casual dining (80 seats) | 1,500,000 | 6,500 |
| Licensed restaurant + bar | 2,500,000 | 14,000 |
| Fine dining | 3,500,000 | 18,500 |
| Hotel outlet | 5,000,000 | 25,000 |
| Cloud kitchen / dark kitchen | 600,000 | 1,800 |
| Food truck | 250,000 | 1,800 |
Specialised F&B Protection
Comprehensive coverage tailored for the unique risks of restaurants, cafes, and cloud kitchens.
Property & Kitchen
Kitchen fire, explosion, lightning.
Cooking oil fire (media extension).
Flood, storm, sandstorm coverage.
Kitchen equipment breakdown.
Glass shopfront & wine cellars.
Food & Stock Safety
Refrigeration breakdown spoilage.
Power outage deterioration.
Product recall costs.
Cold chain integrity protection.
Ingredients & inventory theft.
Liability & Legal
Public liability (slips/trips/falls).
Food poisoning liability (AED 2-10M).
Liquor liability (Licensed venues).
Host liability for private events.
Legal defense & settlements.
Business Operations
Business interruption (lost profit).
Rent & payroll after fire.
Money in till, safe & transit.
Employee dishonesty sub-limit.
Terrorism / SRCC (Mall requirement).
ADAFSA & DM Compliance
Food Safety (DM & ADAFSA)
Mandatory Person in Charge (PIC) certification, HACCP implementation for larger venues, and valid food handler training cards for all staff.
Operational Standards
Required temperature logs, pest control contracts, and regular grease trap cleaning schedules are essential for coverage validity.
Fire Protection
Installation and maintenance of kitchen hood fire suppression systems (Ansul R-102 or equivalent) is a primary requirement for fire claims.
Restaurant Insurance FAQ
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Browse profiles of every insurer operating in the UAE — products,strengths, TPAs and regulatory standing, all in one place.
54+
Licensed Insurers
Operating in the UAE
12
National Takaful Companies
Sharia-compliant options
35+
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