Restaurant insurance in Ayr

Ayr sits on the Firth of Clyde, and its restaurants make the most of Scottish seafood and produce for a mix of locals and coastal visitors. Serving food to the public carries a risk that lands after the meal is over.

Where the risks come from for Ayr restaurants

If food served is contaminated or mishandled and a customer falls ill, the restaurant is liable, and an outbreak of food poisoning traced to a kitchen can bring multiple claims at once, along with reputational damage and the attention of environmental health.

An Ayr example

Several diners at an Ayr restaurant fall ill after eating shellfish later traced to poor temperature control, and claims follow for the illness. Products liability cover, part of a restaurant policy, meets the claims and the legal costs, while the business works to recover its standing.

What restaurant insurance covers

Products liability covers illness or harm caused by the food and drink a restaurant serves, and it sits with public liability as an essential for any food business. Around them sit buildings, contents, stock and business interruption cover.

Placing it in Ayr with Apex

We make sure products liability is in place at a proper limit, because for a restaurant a food-poisoning claim is a when, not an if, risk. Apex places hospitality cover through one named broker. Authorised by the FCA; established 2009.

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• Public liability insurance Ayr
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• Commercial vehicle insurance Ayr
• Business insurance Ayr