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 · Motherwell

Restaurant insurance in Motherwell

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Motherwell's restaurants and takeaways serve an affordable Lanarkshire town, and like any food business they wage a constant quiet war against pests. When that war is lost, the cost goes well beyond a few traps.

Where the risks come from for Motherwell restaurants

An infestation of rodents or insects can contaminate a restaurant's stock, force a deep clean, and, if it comes to the attention of the authorities, close the premises. The lost stock, the specialist cleaning and the interruption to trade can add up to a serious claim.

A Motherwell example

A rodent infestation is discovered at a Motherwell restaurant, and a large quantity of stock must be destroyed and the premises deep-cleaned before it can reopen. Cover for the loss of contaminated stock and the resulting interruption meets the cost, sparing the business the full weight of an infestation.

What restaurant insurance covers

Cover for stock contaminated by pests, and for the interruption a serious infestation causes, sits alongside the standard stock and business-interruption covers on a food-business policy. Good pest control keeps the risk down, but never to zero.

Placing it in Motherwell with Apex

We make sure the stock and interruption cover reflect the ways a kitchen can actually be shut down, an infestation among them. Apex arranges Motherwell hospitality cover through one named broker. Regulated by the FCA; established 2009.

Motherwell 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 Motherwell 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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