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 · Frome

Restaurant insurance in Frome

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Frome's independent, foodie restaurant scene trades on its reputation and its inspections, in a town that takes its food seriously. One risk here comes not from fire or theft but from the authorities: a forced closure.

Where the risks come from for Frome restaurants

If a restaurant is closed by a public authority, because of an outbreak of food poisoning traced to it, vermin, or defective drains, the loss of trade during the shutdown is real, even though nothing has burned or flooded. An ordinary business-interruption cover, tied to physical damage, does not respond.

A Frome example

A Frome restaurant is ordered to close by environmental health after an incident, and trades nothing for the period of the closure while it puts matters right. Business interruption extended to closure by a public authority meets the lost trade, a loss a damage-only policy would leave uncovered.

What restaurant insurance covers

Business interruption can be extended to cover closure by a public authority for food poisoning, vermin or defective drainage, not just physical damage. It sits alongside the property, stock and liability covers on a restaurant policy.

Placing it in Frome with Apex

We make sure the business-interruption cover reflects the ways a restaurant can actually be forced to close, a hygiene order among them. Apex arranges Frome hospitality cover through one named broker. Authorised by the FCA; established 2009.

Frome 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 Frome 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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