Restaurant insurance in Reading

Reading's restaurants, serving an affluent Thames Valley crowd, increasingly sell beyond the table, own-brand sauces, preserves, bakes and produce, over the counter and online. Selling a product to take away is a different kind of trade from serving a meal.

Where the risks come from for Reading restaurants

When a restaurant sells packaged or own-brand food products for customers to take away or buy online, it takes on a manufacturer's and retailer's product exposure, if a product causes illness or harm away from the premises, days later, the restaurant is liable. It reaches customers the restaurant never sees, and standard cover may focus only on food eaten in.

A Reading example

A jar of own-brand sauce sold by a Reading restaurant causes illness at a customer's home, and a claim follows. Products liability arranged to cover retail and packaged goods, not just meals served on the premises, meets the claim, where an in-premises-only cover might not.

What restaurant insurance covers

For a restaurant selling own-brand or retail products, products liability should extend to those goods and where they are sold, on the premises, to take away, and online. It sits with the public liability and the property and business-interruption covers.

Placing it in Reading with Apex

We make sure a restaurant's retail and own-brand sales are covered as well as its meals, wherever the products end up. Apex arranges Reading hospitality cover through one named broker. Regulated by the FCA; established 2009.

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