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 · Newcastle

Restaurant insurance in Newcastle

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Newcastle's restaurants trade at the heart of one of the country's liveliest night-time economies, and many are as much bar as dining room once the evening wears on. Serving alcohol brings a duty that a food-only business does not carry.

Where the risks come from for Newcastle restaurants

A licensed restaurant has responsibilities around the alcohol it serves, and an incident involving an intoxicated customer, an injury, an altercation, harm to the customer or to others, can lead to a liability claim against the business. The licensee's duty of care extends to how drink is served and managed.

A Newcastle example

An intoxicated customer at a Newcastle restaurant is injured after being served past the point they should have been, and a claim follows against the business. Public liability cover responds to the claim, and the incident underlines the duty that comes with a licence to serve alcohol.

What restaurant insurance covers

Public liability for a licensed restaurant should reflect the realities of serving alcohol, including incidents involving intoxicated customers, at a limit suited to a busy licensed trade. It sits with the products and employers' liability and the property covers.

Placing it in Newcastle with Apex

We size the liability cover to a licensed, late-trading restaurant, not a quiet daytime cafe. Apex arranges Newcastle hospitality cover through one named broker. Regulated by the FCA; established 2009.

Newcastle 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 Newcastle 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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