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 · Brighton

Restaurant insurance in Brighton

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Brighton's restaurant culture spills onto the pavements and the seafront, with outdoor tables a big part of the trade in season. Serving customers in the open adds to the atmosphere and to the liability a restaurant carries.

Where the risks come from for Brighton restaurants

Outdoor and pavement seating puts customers, and passers-by, among tables, heaters, cabling and uneven ground, and an injury from a trip, a falling parasol or a toppled heater is the restaurant's responsibility. The public space around the tables widens the exposure beyond the dining room.

A Brighton example

A gust catches a parasol at a Brighton restaurant's pavement seating and it strikes a customer, causing injury, and a public liability claim follows. Public liability cover, arranged to include the outdoor trading area, meets the settlement and the legal costs.

What restaurant insurance covers

Public liability should be arranged to cover a restaurant's outdoor and pavement seating as well as the interior, at a limit that reflects the footfall. It sits with products and employers' liability and the property and business-interruption covers.

Placing it in Brighton with Apex

We make sure the liability cover reflects where a restaurant actually serves, tables on the pavement included. Apex arranges Brighton hospitality cover through one named broker. Regulated by the FCA; established 2009.

Brighton commercial quote

Speak to a named commercial broker

Get a quote Speak to a broker

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 Brighton and the wider region.

Speak to a broker

Get the right commercial cover, placed by a named broker

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.

Get a commercial quote → or call 0117 325 0027