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 · Northampton

Restaurant insurance in Northampton

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Northampton's restaurants, feeding a busy Midlands town, make a large share of their year in the festive weeks, when parties, functions and family gatherings fill the tables. Everything rides on December going to plan.

Where the risks come from for Northampton restaurants

A restaurant geared to the Christmas trade has a great deal concentrated into a few weeks, and a fire, flood or closure in December is not a bad month but a lost season, striking exactly when the year's most important bookings are held. Cover based on an average month badly understates the loss.

A Northampton example

A fire closes a Northampton restaurant in the second week of December, wiping out its Christmas party and function bookings, the heart of its trading year. Business interruption cover, set to reflect the festive peak rather than an average month, replaces the profit those weeks would have made.

What restaurant insurance covers

Business interruption sums and indemnity periods should reflect a restaurant's true earning pattern, and for many that means the festive season. It works alongside the buildings, contents, stock and liability covers.

Placing it in Northampton with Apex

We size business interruption to how a restaurant really earns across the year, the Christmas peak included. Apex arranges Northampton hospitality cover through one named broker. FCA authorised; established 2009.

Northampton commercial quote

Speak to a named commercial broker

Get a quote Speak to a broker

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 Northampton and the wider region.

Speak to a broker

Get the right commercial cover, placed by a named broker

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.

Get a commercial quote → or call 0117 325 0027