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 · Chippenham

Restaurant insurance in Chippenham

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Chippenham is a Wiltshire market and commuter town with a workaday restaurant trade in a mix of older and modern premises. In the older units especially, one fire risk runs unseen behind the walls: the wiring.

Where the risks come from for Chippenham restaurants

A restaurant places heavy demands on its electrics, kitchen equipment, refrigeration, lighting, running for long hours, and ageing or overloaded wiring can overheat and ignite out of sight. An electrical fire that starts in a wall or a consumer unit can spread before anyone notices.

A Chippenham example

A fault in the ageing wiring of a Chippenham restaurant starts a fire in the ceiling void overnight, and the premises suffer significant fire and smoke damage before it is discovered. Buildings and contents cover meets the reinstatement, and business interruption covers the closure while the restaurant is repaired and rewired.

What restaurant insurance covers

Fire cover, including electrical fire, is the core of a restaurant policy, and insurers expect the electrical installation to be maintained and tested. It works with contents, catering equipment, business interruption and the liability covers.

Placing it in Chippenham with Apex

We place the fire risk with insurers who understand a working kitchen's electrical load, and we flag the testing that keeps cover sound. Apex arranges Chippenham restaurant cover through one named broker. FCA authorised; established 2009.

Chippenham commercial quote

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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 Chippenham 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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