Restaurant insurance in Newbury

Newbury's restaurants trade among the shops and premises of a busy Berkshire market town, cheek by jowl with their neighbours. A restaurant's own accident can damage more than its own four walls.

Where the risks come from for Newbury restaurants

If a fire, flood or other incident at a restaurant spreads and damages a neighbouring business or property, the restaurant can be liable for that damage, over and above its own losses. A kitchen fire that spreads next door, or a flood that reaches the premises below, turns into a claim from someone else.

A Newbury example

A fire that starts in a Newbury restaurant's kitchen spreads and damages the neighbouring shop, and the neighbour claims against the restaurant for the harm. Public liability cover, which answers for damage to third parties' property, meets the neighbour's claim, separate from the restaurant's own buildings loss.

What restaurant insurance covers

Public liability covers damage a restaurant causes to other people's property, not just injury to people, which matters where premises adjoin. It sits with the buildings and contents cover for the restaurant's own losses, and the other liability covers.

Placing it in Newbury with Apex

We make sure the liability cover answers for damage a restaurant does to its neighbours, not only its own repairs. Apex arranges Newbury hospitality cover through one named broker. FCA authorised; established 2009.

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• Public liability insurance Newbury
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• Business insurance Newbury