Restaurant insurance in Andover

Andover is a Hampshire market town with a high street of pubs, cafes and independent restaurants serving a steady local and garrison trade. The busiest of them share a risk that has nothing to do with the kitchen: the customers themselves.

Where the risks come from for Andover restaurants

A restaurant invites the public in, and a spilled drink, a wet floor, a worn step or a trailing cable can put a customer on the ground. When a diner is injured on the premises, the business is liable, and a serious injury claim can dwarf a year's profit.

An Andover example

A customer slips on a freshly-mopped floor in an Andover restaurant that had not been signed, and breaks a wrist. A public liability claim follows for the injury and the legal costs. Public liability cover meets the settlement, which for a small independent could otherwise be ruinous.

What restaurant insurance covers

Public liability is the cover every restaurant needs for injury or damage to customers and visitors, typically to a limit of several million pounds. It sits at the heart of a restaurant policy, alongside buildings and contents, stock, and employers' liability for the staff.

Placing it in Andover with Apex

We set the public liability limit to the size and footfall of the business rather than a token figure, and place it through insurers who know hospitality. Apex works through one named broker and a wide market. FCA authorised, since 2009.

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