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 · Newquay

Restaurant insurance in Newquay

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Newquay's surf-and-sun economy has made it a home for food trucks and mobile catering, feeding the beaches, the campsites and the festivals as much as any fixed dining room. A kitchen on wheels carries its own particular risks.

Where the risks come from for Newquay restaurants

A mobile catering unit or food truck is a kitchen, a vehicle and a business rolled into one, exposed to fire from its cooking and gas, theft when parked, damage on the road, and public liability wherever it trades. A policy written for fixed premises does not fit it at all.

A Newquay example

A gas fire breaks out in a Newquay food truck during a busy beachside service, damaging the unit and its equipment and stopping the trade. Cover written for mobile catering meets the damage to the unit, the equipment and the lost trade, where a premises policy would not have responded.

What restaurant insurance covers

Mobile catering needs cover built for a unit that is vehicle, kitchen and business at once, spanning fire, theft, the road and public liability wherever it trades. It is a distinct arrangement from a fixed-premises restaurant policy.

Placing it in Newquay with Apex

We place food trucks and mobile catering on cover made for a kitchen that moves, not a building. Apex arranges Newquay hospitality cover through one named broker. FCA authorised; established 2009.

Newquay 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 Newquay 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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