Restaurant insurance in Falmouth
Falmouth restaurants, cafes and takeaways carry risks most brokers gloss over — commercial kitchens, food safety, licensed premises and heavy footfall. Apex arranges cover built around hospitality, placed by a named broker.
Key covers for restaurant
- Buildings and contents — structure, kitchen equipment, fixtures and fittings.
- Public and products liability — injury on the premises or illness after eating.
- Employers liability — legally required for kitchen and front-of-house staff.
- Business interruption — lost profits and costs if a fire, flood or breakdown closes you.
- Deterioration of stock — frozen and chilled stock lost to refrigeration breakdown.
- Loss of licence and money — cover tied to your alcohol licence and cash taken.
Falmouth-specific considerations
- Marine and boatyard trades.
- Harbour tourism and events.
- Creative and university firms.
- Hospitality and licensed premises.
- Holiday letting.
Compliance considerations for restaurants
Food Standards Agency registration and EHO food-hygiene ratings.
HACCP food-safety management obligations.
Alcohol licensing conditions where you serve.
Fire risk assessment and commercial-kitchen suppression duties.
What can go wrong
Injury to occupier or passer-by from scaffold, materials, or falling debris — PL responds.
Damage to neighbouring property from party-wall work — PL responds.
Employee fall from height — EL responds; RIDDOR/HSE involvement likely.
Design-and-build fault causing latent defect — PI territory.
Site theft of materials or plant — contract works cover.
Frequently asked
Do restaurants need product liability?
Is my commercial kitchen covered for fire?
What about frozen and chilled stock?
Do I need employers liability?
How is restaurant insurance priced?
Related
- Public liability insurance Falmouth
- Employers liability insurance Falmouth
- Commercial vehicle insurance Falmouth
- Business insurance Falmouth
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.