Restaurants & Pubs
Restaurant Insurance Claim Ireland
When fire, flood or a burst pipe shuts your kitchen, every closed day costs trade you cannot get back. We prepare and negotiate your restaurant or pub claim so you recover what you are owed and reopen sooner.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
The Impact
A damaged restaurant loses money the moment it closes
A fire, flood or escape of water does more than wreck a dining room. It empties your fridges and freezers of perishable stock, silences your kitchen and turns away every booking on the calendar. For a hospitality business, the cost of being closed often dwarfs the cost of the physical repairs.
You are trying to reassure staff, contact suppliers and salvage what you can, all while the insurer’s loss adjuster begins building the case for the smallest possible payout. That is the moment to put your own chartered expert on your side of the table.
Common Claims
The claims restaurants and pubs make most
Hospitality premises face a particular mix of risks, and the resulting claims are rarely simple. We prepare and negotiate the full range on behalf of restaurant and pub owners across Ireland.
- Fire & smoke damage from kitchens, extraction systems and electrics
- Flood & escape of water from storms, burst pipes and failed cold rooms
- Business interruption for lost trade while you are closed
- Stock & equipment losses across the kitchen, bar and cellar
A full kitchen fire is one of the most complex losses in hospitality. See our dedicated commercial fire damage claim service for how we handle these end to end.
How It Works
From first call to full settlement
We take the claim off your plate so you can focus on staff, suppliers and reopening.
We attend your premises quickly, assess the damage and review your policy before anything is admitted or settled.
We document the building damage, stock losses, equipment and your lost trade, then prepare a fully evidenced claim.
We deal directly with the insurer’s loss adjuster and pursue interim payments to keep cash moving where possible.
We push for the fairest settlement your policy allows so you can reinstate and get back to trading.
Sector Complexities
Why hospitality claims are easy to underpay
A restaurant or pub claim is not a single number. Several specialist heads of loss sit inside it, and each one is easy to overlook or undervalue if the claim is not prepared properly.
- Perishable food stock spoiled by power loss, smoke or contamination
- Commercial kitchen equipment from ranges and extraction to walk-in chillers
- Specialist fit-out including bar, seating, flooring and bespoke joinery
- Licensing & reinstatement so the rebuilt premises can legally trade again
Reinstating a licensed premises is not just bricks and mortar. The fit-out, the kitchen specification and the conditions tied to your licence all have to be restored, and all of that belongs in a properly prepared claim.
Business Interruption
Protecting your turnover while you are closed
For a turnover-heavy business like a restaurant or pub, the lost trade during closure is often the largest part of the claim. Quiet weeks, lost bookings, cancelled functions and the slow build back to your normal covers all need to be measured and evidenced, not estimated on the back of an envelope.
We work from your accounts and trading records to calculate the true loss of gross profit, factor in your seasonal patterns and the time it realistically takes to recover your customer base. Our dedicated business interruption insurance claim service explains this part of the process in full.
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How We Help
How CICS manages your restaurant claim
We act only for you, the policyholder, never the insurer. From the first site visit we take control of the paperwork, the valuation and the negotiation so you can keep your attention on your team, your suppliers and reopening your doors.
Our work is led by chartered surveyors and registered loss assessors, and our sister company Insurance Claim Solutions has managed major commercial fires and complex hospitality losses across Ireland. That experience comes with every claim we prepare. To understand the role in detail, see what a commercial loss assessor does for you.
We are Central Bank of Ireland regulated, Reg. No: C423441, and we work on a no win, no fee basis. There is nothing to pay up front and our fee comes from the settlement we recover.
Client Feedback
Trusted by business owners across Ireland
A kitchen fire shut us for weeks and we were drowning in spoiled stock and forms. They handled the insurer completely, valued our lost trade properly and got us reopened. We would have left thousands on the table on our own.
A burst pipe flooded the bar and cellar over a weekend. They documented everything, pushed for an interim payment and dealt with the adjuster start to finish. Calm, clear and firmly on our side throughout.
Common Questions
Your questions, answered
We work on a no win, no fee basis, so there is nothing to pay up front. Our fee is a percentage of the final settlement, agreed with you in advance before any work begins. If there is no recovery, there is no fee.
Make the premises safe, protect any undamaged stock and equipment where you can, and take plenty of photos and video before anything is cleared. Then call us before you commit to repairs or accept anything from the insurer, so the claim is documented correctly from the start.
It varies with the complexity of the damage and the cooperation of the insurer. A straightforward escape of water settles far quicker than a major fire involving reinstatement and business interruption. We keep the claim moving and pursue interim payments where possible so you are not left waiting for cash. We cannot guarantee a timeframe or a specific amount.
Yes, end to end. We prepare the claim, present it and negotiate directly with the insurer’s loss adjuster on your behalf. You stay informed at every stage, but you do not have to manage the back and forth yourself.
We act for hospitality businesses across Ireland nationwide. We are based in Rush, Co. Dublin, and regulated by the Central Bank of Ireland, Reg. No: C423441.
Yes. Even if your claim is already underway or the insurer has put an offer on the table, we can review it. In many cases there are heads of loss that were missed or undervalued, and we can advise on whether the offer reflects your full entitlement before you accept anything.
across Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Kitchen closed after fire or flood?
Talk to us today, free of charge
Get a free, no obligation assessment of your restaurant or pub claim from a chartered, Central Bank of Ireland regulated team. No win, no fee. We act for you, never the insurer.
