Do restaurants need product liability?

Yes — if a customer falls ill after eating, products liability responds. It sits alongside public liability in a combined restaurant policy.

Is my commercial kitchen covered for fire?

Kitchen fire is a leading hospitality claim; buildings, contents and business interruption respond, subject to suppression and maintenance conditions.

What about frozen and chilled stock?

Deterioration of stock cover pays for stock lost to freezer or refrigeration breakdown, which standard policies often exclude.

Do I need employers liability?

Yes — it is legally required for kitchen and front-of-house staff, including part-time and agency workers.

How is restaurant insurance priced?

On your cover levels, licensed activity, kitchen type, turnover and claims history — placed by a named broker who knows hospitality wordings.

Restaurant insurance · Basingstoke

Restaurant insurance in Basingstoke

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Basingstoke's restaurants, from town-centre independents to the chains around its business parks, run busy kitchens staffed by chefs and kitchen porters working at speed. Those staff face hazards a diner never sees.

Where the risks come from for Basingstoke restaurants

A commercial kitchen is full of ways to be hurt, hot oil and surfaces, knives, slippery floors, heavy lifting, and when a member of staff is injured at work, the employer is responsible. Employers' liability cover is not optional; it is required by law for any business with staff.

A Basingstoke example

A kitchen porter in a Basingstoke restaurant is badly scalded when a pan of hot stock is knocked over during a busy service, and a claim follows for the injury. Employers' liability cover, which the law requires, meets the compensation and the legal costs.

What restaurant insurance covers

Employers' liability is a legal requirement for any restaurant with employees, covering injury or illness to staff arising from their work, to a minimum limit set by statute. It sits with public and products liability and the property and business-interruption covers.

Placing it in Basingstoke with Apex

We make sure the legally-required employers' liability is in place and correctly rated for a kitchen team, alongside the rest of the cover. Apex arranges it through one named broker and a wide market. Regulated by the FCA; established 2009.

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Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 724952. Registered in England and Wales, company number 07014570. Trading address: QCS, 53 Queen Charlotte Street, Bristol BS1 4HQ · Serving tradespeople in Basingstoke and the wider region.

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Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.

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