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 · Portsmouth

Restaurant insurance in Portsmouth

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Portsmouth's restaurants trade hard across a dense island city, many of them handling cash all day in busy, street-facing premises. Not every theft happens in the dark, and a robbery during trading is a frightening and costly event.

Where the risks come from for Portsmouth restaurants

A restaurant taking cash through the day is exposed to robbery and hold-up during opening hours, at the till, in the office, on the way to the bank, with the added danger to staff and customers present. The loss is the money taken and the shock and disruption that follow.

A Portsmouth example

A Portsmouth restaurant is robbed at the till during trading hours, and the day's takings are taken. Money cover, for cash on the premises including robbery during opening hours, meets the loss, and the assault-related cover responds to the harm to those present.

What restaurant insurance covers

Money cover should extend to robbery and theft during trading hours, not just an overnight break-in, with cover for staff assaulted in a hold-up. It sits alongside the theft, property and liability covers a restaurant needs.

Placing it in Portsmouth with Apex

We make sure money cover reflects the daytime robbery as well as the overnight break-in, and the people caught up in it. Apex arranges Portsmouth hospitality cover through one named broker. Authorised by the FCA; established 2009.

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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 Portsmouth 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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