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 · Exeter

Restaurant insurance in Exeter

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Exeter's restaurants, serving a cathedral city and its university, set a scene as well as a menu, with candles, tealights and the occasional tableside flame among the atmosphere. Open flame in a dining room is a small risk that occasionally becomes a large one.

Where the risks come from for Exeter restaurants

Naked flames on tables and at the pass, table candles, tealights, flambe and open burners, can ignite napkins, decorations, menus or clothing, and a fire that starts in the dining room, among customers, is both a safety and a property risk. It is easily overlooked precisely because it is part of the ambience.

An Exeter example

A table candle in an Exeter restaurant catches a decorative display, and the fire spreads to nearby furnishings before staff put it out, causing fire and smoke damage to part of the dining room. Buildings and contents cover meets the damage, and business interruption covers the closure while it is made good.

What restaurant insurance covers

Fire cover responds to fires started by naked flames as much as by the kitchen, and insurers expect sensible precautions around open flame in the dining room. Contents, business interruption and the liability covers complete the policy.

Placing it in Exeter with Apex

We place the fire risk with insurers who understand a restaurant's use of open flame, front of house as well as back. Apex arranges Exeter restaurant cover through one named broker. FCA authorised; established 2009.

Exeter 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 Exeter 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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