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 · Paignton

Restaurant insurance in Paignton

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Paignton's restaurants trade on the crowds drawn to the English Riviera's beaches, piers and attractions. When a nearby attraction that brings those crowds is put out of action, the restaurants that depend on it feel the loss.

Where the risks come from for Paignton restaurants

A seaside restaurant's trade can rest on the footfall from a neighbouring attraction, a pier, a beach, a venue, and if that attraction is damaged and closed, the visitors stop coming, and the restaurant's takings fall even though it is undamaged itself. It is a loss of trade caused at one remove.

A Paignton example

A fire closes a popular Paignton attraction for the season, and the restaurants that lived off its visitors see their trade collapse. Business interruption with a loss-of-attraction extension responds to the drop in takings caused by damage to the nearby draw, a loss a damage-only policy would not reach.

What restaurant insurance covers

Business interruption can be extended to cover loss of trade caused by damage to a nearby attraction or property that draws a restaurant's customers. It sits alongside denial-of-access, the property covers and the standard liabilities.

Placing it in Paignton with Apex

We look at what actually brings the customers in, and make sure the interruption cover reflects it. Apex works through one named broker and 30-plus markets. FCA authorised; established 2009.

Paignton 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 Paignton and the wider region.

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